dm{fH$ [anmoQ>

2014-2015
ANNUAL REPORT

1
 dm{fH$ [anmoQ> 2014-2015 ANNUAL REPORT 2014-2015
uwruxi CONTENTS
1. NOTICE 3
1. lOx 3
2. PROGRESS AT A GLANCE 15
2. mai M LM fsM 15
3. DIRECTORS REPORT 2014-2015 16
3. lSzM M UmO 2014-2015 16 MANAGEMENT DISCUSSION AND ANALYSIS 17
mokl ucU-uqz u uzswh 17 CANARA BANK IN 2014-2015 21

MlU oM uw 2014-2015 q 21 CHANGES IN THE BOARD OF DIRECTORS 66

DIRECTORS RESPONSIBILITY STATEMENT 68
lSzM qQs q mUuil 66
4. BUSINESS RESPONSIBILITY REPORT 69
lSzM M Sriu uur 68 5. REPORT OF THE BOARD OF DIRECTORS ON
4. MUoU EUSriu UmO 69 CORPORATE GOVERNANCE 94
6. AUDITORS CERTIFICATE ON CORPORATE
5. MmUO aullx mU lSzM qQs M UmO 94 GOVERNANCE 117
6. MmUO aullx mU sZmUM M UmO 117 7. STANDALONE FINANCIAL STATEMENTS

7. LMs ur uuUh AUDITORS REPORT 119

BALANCE SHEET 123
sZ mUM M UmO 119
PROFIT AND LOSS ACCOUNT 124
isl m 123
SCHEDULES FORMING PART OF THE
sp u Wl Zi 124 BALANCE SHEET 125
isl m M Az ollus Alxcr 125 SCHEDULES FORMING PART OF THE
sp u Wl Zi M Az ollus Alxcr 133 PROFIT AND LOSS ACCOUNT 133
sZMl lir 135 ACCOUNTING POLICIES 135
sZ xok Ommhr 144 NOTES ON ACCOUNTS 144
xip 3 (oxs II) mMOl 198 PILLAR 3 (BASEL II) DISCLOSURES 198
xip 3 (oxs III) mMOl 238 PILLAR 3 (BASEL III) DISCLOSURES 238
lMS muW uuUh 341 CASH FLOW STATEMENT 341
8. CONSOLIDATED FINANCIAL STATEMENTS
8. xqMi ur uuUh
AUDITORS REPORT 344
sZmUM M UmO 344
CONSOLIDATED BALANCE SHEET 348
xqMi isl m 348
CONSOLIDATED PROFIT AND LOSS ACCOUNT 349
xqMi sp u Wl Zi 349
SCHEDULES FORMING PART OF THE
xqMi isl m M Az ollus Alxcr 351 CONSOLIDATED BALANCE SHEET 351
xqMi sp u Wl Zi M Az SCHEDULES FORMING PART OF THE
ollus Alxcr 357 CONSOLIDATED PROFIT AND LOSS ACCOUNT 357
sZMl lir 359 ACCOUNTING POLICIES 359
NOTES ON ACCOUNTS ON THE CONSOLIDATED
xqMi ur uuUh mU sZ xok Ommhr 372 FINANCIAL STATEMENTS 372
xqMi lMS muW uuUh 388 CONSOLIDATED CASH FLOW STATEMENT 388
9. mok lSzM AU xDA M zrUkUM M xokl 390 9. MANAGING DIRECTOR AND CEOs ADDRESS
TO SHARE HOLDERS 390
10. lmaU (Qm) xu MlS M xc 391
10. LIST OF DP SERVICE CENTRES 392
11. Emxji mc xW muz mx 395 11. ATTENDANCE SLIP CUM ENTRY PASS 396
12. mYx Tq 397 12. PROXY FORM 398

2
lOx
LiU lOx Sr ei W M MlU oM M zrUkUM
M iUWu uwM xqlr oPM qasuU, 14 esD 2015 M
3.30 oe xpaW 1, lqWx, Muxl xOU, WxU ql UQ,
WqoaQ laU, oas 560 029 q Arei M eLa,
exM Ezr lqlMi MUoU M xcsl MUl W:
1. rj 31 qc 2015 M oM M sZmUi isl m, 31 qc
2015 M xqmi uw M sp u Wl sZ mU, isl m u
sZ mU sZ ij sZmUM M UmO U muUi Auk
M sL oM M Mr u rMsm M xok q lSzM
qQs M UmO mU cc AlqSl u AaMi MUl |
2. ur uw 2014 -15 M sL spz bwi MUl |
3. lqlMi uzw xMsm mU ucU MUl AU rS Eci mr
ar i xzkl xWi r UWi Ex mUi MUl:
xMsm sr ei W M
x M oMa Mml (Emq M Ael Lu
AiUh) Aklrq 1970 (Aklrq), UrMi oM (mokl
AU uuk mukl) rel, 1970 (rel) AU MlU oM
(zrU Lu oPM) ulrqus 2000 M mukl M AlxUh
q ij pUir Ueu oM ("AUoAD"), pUi xUMU
("eAAD"), pUir mipi ulqr oQ ("xo") AU/
r Cx xok q Ami Alr Mx mkMUh M AlqSl,
xWqi AU qeU M Akl Lu Lx AlqSl mSl MUl
M sL ElM U lkUi Lx zi AU El mU xzkl
M Akl AU elx oM M lSzM qQs xWqi W ij
pUir Ueu oM, xo AU mxaM Alr xp mkMUh
U xqr xqr mU lkUi ulrq Aji xo (me laql
AU mMOMUh AmL) ulrqus, 2009 (AD x Q
AU ulrqus)/SzlSz, rS MD W, M Akl oMa
ulrql Aklrq 1949, pUir mipi AU ulqr oQ
Aklrq 1992 AU xp Alr sa lrq ij xp xo
mkMU M Akl AkxclL / mUm AU xmMUh ij
El xOM LYxce M xj Mr ar xcMUh MUU M
Akl, eW oM M DYuO zrU M xcMUh Mr ar W
, LiS U oM M zrUkUM M xWqi, oM M lSzM
qQs (ex rW CxM oS "lSzM qQs" MW eLa,
ex Apur q, Cx xMsm U mS AkMU xWi
Aml AkMU M mra MUl Wi oQ U aPi M ar
NOTICE
Notice is hereby given that the Thirteenth Annual General
Meeting of the Shareholders of Canara Bank will be held on
Tuesday, the 14th July, 2015 at 3.30 P.M. at Auditorium-1,
NIMHANS CONVENTION CENTRE, Hosur Main Road,
Hombegowda Nagar, Bengaluru 560 029 , to transact the
following business:
1. To discuss, approve and adopt the Audited Balance Sheet
of the Bank as at 31st March 2015, Prot & Loss account
for the year ended 31st March 2015, the Report of the
Board of Directors on the working and activities of the
Bank for the period covered by the Accounts and the
Auditors Report on the Balance Sheet and Accounts.
2. To declare dividend for the nancial year 2014-15.
3. To consider and if thought t, to pass with or without
modications the following special resolution:
RESOLVED THAT pursuant to the provisions of the Banking
Companies (Acquisition and Transfer of Undertakings)
Act, 1970 (Act), The Nationalised Banks (Management
and Miscellaneous Provisions) Scheme, 1970 (Scheme)
and the Canara Bank (Shares and Meetings) Regulations,
2000 as amended from time to time and subject to the
approvals, consents, permissions and sanctions, if any,
of the Reserve Bank of India (RBI), the Government of
India (GOI), the Securities and Exchange Board of India
(SEBI), and/or any other authority as may be required
in this regard and subject to such terms, conditions and
modications thereto as may be prescribed by them in
granting such approvals and which may be agreed to
by the Board of Directors of the Bank and subject to the
regulations viz., SEBI (Issue of Capital and Disclosure
Requirements) Regulations, 2009 (ICDR Regulations) as
amended up to date, guidelines, if any, prescribed by
the RBI, SEBI, notications/circulars and clarications
under the Banking Regulation Act, 1949, Securities and
Exchange Board of India Act, 1992 and all other applicable
laws and all other relevant authorities from time to time
and subject to the Listing Agreements entered into with
the Stock Exchanges where the equity shares of the Bank
are listed, consent of the shareholders of the Bank be and
is hereby accorded to the Board of Directors of the Bank
(hereinafter called the Board which shall be deemed
to include any Committee which the Board may have
constituted or hereafter constitute to exercise its powers
3
r Aa M elus MD xqi p zqs W) M S ei
W M ( Czr M Lx Wxx M m/mixmk AkU mU
AU rj Alqi urr M hr M sL AUi MUl
M mukl xWi) mxiu M Sxiue / lrqus Aju
Lx Mx Alr Sxiue M eUL pUir Ueu oM U
lqi SzlSz M AlxU xii r zkr r Azkr,
Lx Akql zrU M mirM ua M, Cx mMU M Akql
zrU M mirM ua M eU ML el M xq M AU
El zi Lu lokl elM Akl Akql zrU M mirM
ua eU ML e xMi W ij / r Alr Alqi mipir
e DYuO q AiUh M sL xq W, `1500 MUQ iM
(rj oQ r oQ M xqi U lkUilxU) e uiql
`515.20 MUQ M cMi DYuO zrU me M xj oMa
Mml (Emq M AkaWh u AiUh ) Aklrq 1970 M
kU 3 (2L) M AlxU oM M lkUi mkMi me xq
3000 MUQ M piU Wa r Mx xzkl (rS MD W)
`3000
M AlxU mkMi me M xuki q iM ex puwr
q Cx mMU Aklrqi Mr e xMi W M MlS xUMU
M mx Wqz oM M cMi me 52% x Mq lW Wa,
exq LM r AkM xSxr, oM M MqcUr, pUir
laUM, Alux pUir ("LlAUAD") Mmlr, le r
xuelM, luz xxjA, xxCOr, lrx, Alxkl
xaPl, AW xxjai ZUSU ("Yr AD o") ex oM,
ur xxjL, pUir qrcrAs TQ, ucU MmOs TQ,
uSz ucU MmOs luzM, Uer AaM uMx laq,
oq Mmlr, puwr lkr, mlzl TQ, uMx ur
xxjA, uSz xxjai luzM ("LTADAD") r Alr
CMCr, mkMUh Aju qeS ulrq / SzlSz M
AlxU oM M DMuO zrU q luz MUl M sL mkMi
Mx Alr h M luzMiA r oM U Eci xqf aL
iUM x Clq x Mx M qh W, oeU qsr mU o r
mqrq xWi Wa'' |
Aa xMsm sr ei W M Lx Czr, mxiu r AoOl,
Aa
AiU AoOl M uMsm xWi r UWi xuelM Czr,
xkMU Czr, MqcU xOM r rel, le msxqO /
AWimmi xxjai xjll r pUi xUMU / pUir Ueu
including the powers conferred by this Resolution) to
create, offer, issue and allot (including with provision for
reservation on rm allotment and/or competitive basis
of such part of issue and for such categories of persons
as may be permitted by the law then applicable) by
way of an offer document / prospectus or such other
document, in India or abroad, such number of equity
shares and / or preference shares (whether cumulative or
not; convertible into equity shares or not) in accordance
with the guidelines framed by RBI from time to time,
specifying the class of preference shares, the extent of
issue of each class of such preference shares, whether
perpetual or redeemable, the terms & conditions subject
to which each class of preference shares may be issued
and / or other permitted securities which are capable of
being converted into equity or not, upto `1500 Crore (as
decided by the Board or Committee of the Board of the
Bank) which together with the existing Paid-up Equity
share capital of `515.20 Crore will be within `3000 Crore,
being the ceiling in the Authorised Capital of the Bank as
per section 3 (2A) of the Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970 or to the extent
of enhanced Authorised Capital as per the Amendment
(if any ), that may be made to the Act in future, in such a
way that the Central Government shall at all times hold
not less than 52% of the paid-up Equity capital of the
Bank, whether at a discount or premium to the market
price, in one or more tranches, including to one or more
of the members, employees of the Bank, Indian nationals,
Non-Resident Indians (NRIs), Companies, private or
public, investment institutions, Societies, Trusts, Research
organisations, Qualied Institutional Buyers (QIBs) like
Foreign Institutional Investors (FIIs), Banks, Financial
Institutions, Indian Mutual Funds, Venture Capital
Funds, Foreign Venture Capital Investors, State Industrial
Development Corporations, Insurance Companies,
Provident Funds, Pension Funds, Development Financial
Institutions or other entities, authorities or any other
category of investors which are authorized to invest in
equity/preference shares/securities of the Bank as per
extant regulations/guidelines or any combination of the
above as may be deemed appropriate by the Bank.
RESOLVED FURTHER THAT such issue, offer or allotment
shall be by way of Follow on public issue, rights issue,
Private Placement / Qualied Institutional Placement
(QIP) or any other mode approved by GOI/RBI, with or
4
oM U AlqSi MD Alr mr M eUL Wa AU Lx
mxiu, Czr, msxqO AU AoOl, oMMU Mml (Emq
M Ael Lu AiUh) Aklrq 1970 M mukl, xo
(me laql AU mMOMUh AmL) ulrqus 2009
(ADxQAU ulrqus) Lu pUir Ueu oM, xo r
Alr Mx rj sa mkMUh U Lx xqr mU AU Lx
iUM AU Lx zi mU Mr eL e lSzM qQs Aml
mU uuMkMU M iWi Eci xqf |
Aa xMsm sr ei W M eW AuzrM W sQ mokM
AU / r WqSU AU Alr xsWMU x mUqz MUl M oS
r oQ M Lx zi u lokl M AlxU AD x Q AU
ulrqus, Alr lrqus M zi M AlxU AU Alr
xp sa lrq ulrqus AU SzlSz M Akl Lx
luzM e oM M uql xSxr W r l W M sL Aml
xmh uuM x qsr lkUi MUl M oU q lhr sl M
AkMU oQ r Cx Ezr M sL aPi oQ M xqi M
Wa e AD x Q AU lrqus M xo mukl M
AlxU lkUi qsr x Mq qsr l W |''
Aa xMsm sr ei W M iixok xOM LYxce
Aa
M xj ML aL xcMUh M xqfi M mukl M
AlxU, oMa Mml (Emq M Ael Lu AiUh)
Aklrq 1970, MlU oM (zrU AU oPM) ulrqus
2000 M mukl, AD x Q AU lrqus M mukl,
uSz qS mokl Aklrq 1999 M mukl u uSz qS
mokl (pUi M oWU lux MUl us ur U mipi M
AiUh r laq) ulrqus 2000 M mukl ij pUir
mipi Lu ulqr oQ (xo), xOM LYxce, pUir
Ueu oM (AU.o.AD ), uSz luz xukl oQ (LT AD
m o), AaM li Lu xukl upa, uher qsr
(Q AD m m) Lu Cx xok q Ami Alr xp mkMU
(elW CxM oS x xqWM m x "xqci mkMU"
MW eLa ) M Ami AlqSl, xWqi, Alqi AU r/
qeUr M Akl Lu Clq x Mx M p U Mx p Lx
AlqSl, xWqi, Alqi AU / r qeU (ex CxM oS
"Ami AlqSl" MW eLa) AS mSl MUi xqr Clq
x Mx M p U Cx mMU M lkUi zi M Akl
oQ Aml xmh uuMkMU M iWi LM r AkM Az
q, xqr-xqr mU Akm M NQMU DYuO zrU r Alr
mipir e oS M ij q DYuO zrU q mUuilr
without over-allotment option and that such offer, issue,
placement and allotment be made as per the provisions
of the Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970, the SEBI (Issue of Capital and
Disclosure Requirements) Regulations, 2009 (ICDR
Regulations) and all other guidelines issued by the RBI,
SEBI and any other authority as applicable, and at such
time or times in such manner and on such terms and
conditions as the Board may, in its absolute discretion,
think t.
RESOLVED FURTHER THAT Board shall have the authority
to decide, at such price or prices in such manner and
where necessary, in consultation with the lead managers
and /or underwriters and /or other advisors or otherwise
on such terms and conditions as the Board may, in its
absolute discretion, decide in terms of ICDR Regulations,
other regulations and any and all other applicable laws,
rules, regulations and guidelines, whether or not such
investor(s) are existing members of the Bank, at a price
not less than the price as determined in accordance with
relevant provisions of ICDR Regulations.
RESOLVED FURTHER THAT in accordance with the
provisions of the Listing Agreements entered into with
relevant stock exchanges, the provisions of Banking
Companies (Acquisition and Transfer of Undertakings)
Act, 1970, the provisions of the Canara Bank (Shares
and Meetings) Regulations, 2000, the provisions of ICDR
Regulations, the provisions of the Foreign Exchange
Management Act, 1999 and the Foreign Exchange
Management (Transfer or Issue of Security by a Person
Resident Outside India) Regulations, 2000, and subject
to requisite approvals, consents, permissions and/
or sanctions of Securities and Exchange Board of
India (SEBI), Stock Exchanges, Reserve Bank of India
(RBI), Foreign Investment Promotion Board (FIPB),
Department of Industrial Policy and Promotion, Ministry
of Commerce (DIPP) and all other authorities as may
be required (hereinafter collectively referred to as the
Appropriate Authorities) and subject to such conditions
as may be prescribed by any of them while granting any
such approval, consent, permission, and/or sanction
(hereinafter referred to as the requisite approvals) the
Board, may at its absolute discretion, issue, offer and
allot, from time to time in one or more tranches, equity
shares or any securities other than warrants, which are
convertible into or exchangeable with equity shares at a
5
 r CxM xj ulqr rar W, Cx mMU eU, mxii r
AoOi MU xMi W M m xxjai lrel M AlxUh
q ex M AD x Q AU ulrqus M Akrr VIII M
iWi uruxj W, xjl lrel Sxiue AU / r Alr Mx
Sxiue/msZ/mUm/ml M qkrq x AU Cx iUM
x AU Cx mMU qsr, zi AU lokl ex M Ex xqr
mU mcsi AD x Q AU ulrqus r Mll M MlW
mukl M AlxU lkUi Mr ar W, m xxjai
ZUSU (Yr AD o) (ex M AD x Q AU ulrqus
q mUpwi W) M isl q MS xUMU Mx p xqr oM
M DYuO me M 52% x Mq kUi l MUi W |''
Aa xMsm sr ei W M m xxjai xjl lrel
M qqs q, AD x Q AU ulrqus M Akrr VIII M
AlxUh q
M. m xxjai ZUSU M W mipir M AoOl Wa e a) the allotment of Securities shall only be to Qualied
AD x Q AU ulrqus M Akrr VIII M Azr M
SrU q Wa AU Cx mMU M mipir mhimS Wa
AU Cx xMsm M ij x 12 qW M piU Cx mMU M
mipir M AoOl mU MU sr eLa |
Z. oM AD x Q AU ulrqus M ulrq 85(1)
M mukl M AlxU AkU qsr x Mq qsr mU, e
mc mizi x Mq l W, mU zrU AoOi MUl M sL
mkMi W |
a. AD x Q AU ulrqus M AlxU mipir M AkUi
qsr lkUh M xoki ij Wa |
Aa xMsm sr ei W M Aml AlqSl, xWqi,
Alqi Lu qeU mSl MUi xqr AU lSzM qQs U
xWqi WL AlxU, pUi xUMU/ pUir Ueu oM / xo /
xOM LYxce eW oM M zrU xco W r Alr xqci
mkMUh U mxiu q Ami r saL aL Mx xzkl
M xuMU MUl M lSzM qQs M mkMU Wa |
Aa xMsm sr ei W M Alux pUir / uSz
Aa
luzM urr AU r Alr m uSz luzM M lL
DYuO zrU / Akqlr zrU / mipir M eU AU
AoOi MUl, rS MD W, uSz qS mokl Aklrq
1999 M iWi pUir Ueu oM M AlqSl M Akl Wa
e Aklrq M iWi lkUi xqa xq M ASU Wa |
Aa xMsm sr ei W M eU Mr elus E
Aa
lL DYuO zrU rj xzki MlU oM (zrU Lu oPM)
ulrqus 2000 M Akl eU Mr eLa AU r oM
later date, in such a way that the Central Government at
any time holds not less than 52% of the Equity Capital
of the Bank, to Qualied Institutional Buyers (QIBs) (as
dened in the ICDR Regulations) pursuant to a qualied
institutional placement (QIP), as provided for under
Chapter VIII of the ICDR Regulations, through a placement
document and / or such other documents / writings /
circulars / memoranda and in such manner and on such
price, terms and conditions as may be determined by the
Board in accordance with the ICDR Regulations or other
provisions of the law as may be prevailing at that time
RESOLVED FURTHER THAT in case of a qualied
institutional placement pursuant to Chapter VIII of the
ICDR Regulations
Institutional Buyers within the meaning of Chapter
VIII of the ICDR Regulations, such Securities shall be
fully paid-up and the allotment of such Securities shall
be completed within 12 months from the date of this
resolution.
b) The Bank is, in pursuant to proviso to Regulation
85(1) of ICDR Regulations, authorized to offer shares
at a discount of not more than ve percent on the
oor price.
c) the relevant date for the determination of the oor price
of the securities shall be in accordance with the ICDR
Regulations.
RESOLVED FURTHER THAT the Board shall have the
authority and power to accept any modication in the
proposal as may be required or imposed by the GOI/
RBI/SEBI/Stock Exchanges where the shares of the Bank
are listed or such other appropriate authorities at the
time of according / granting their approvals, consents,
permissions and sanctions to issue, allotment and listing
thereof and as agreed to by the Board.
RESOLVED FURTHER THAT the issue and allotment of
new equity shares/preference shares/securities if any,
to NRIs, FIIs and/or other eligible foreign investors be
subject to the approval of the RBI under the Foreign
Exchange Management Act, 1999 as may be applicable
but within the overall limits set forth under the Act.
RESOLVED FURTHER THAT the said new equity shares to
be issued shall be subject to the Canara Bank (Shares and
Meetings) Regulations, 2000, as amended, and shall rank
6
M qeS DYuO zrU M xj xp Sr x xql Wa
AU bwh M xqr mcsi xukM SzlSz M AlxU
bwi Mr elus Mx p spz M sL m Wa |''
Aa xMsm sr ei W M Mx laq M mpu oll M
sL r CYuO zrU /Akql zrU /mipir M AuOi
MUl M sL xuelM mxiu M zi lkUi MUl Wi
exq luzM M ua elW mipir AuOi M el W,
mirM Zs q AoOi ML el us zrU /mipir,
laq qsr, laq mU Mxi M Uz elW oQ Aml mh
uuMkMU M iWi Eci xqf Lu Cx mMU M Mr,
qqs AU ce AU Lx usZ, Sxiue u MUU lwmSi
MUl ex u Aml mh uuMkMU M iWi AuzrM, Eci
r uNi xqf ij xuelM mxiu, laq,AoOl AU
laq x mmi Ar M Emra M xok q Mx mMU M
xus, MPlD r xSW e Eim Wi W AU Lx Azkl,
oSsu, piA, mUuil, Amqel, xukl, xok zi
M mpu oll M sL e M uW Aml mh uuMkMU M
Akl xukM Wi q Emr AU xqci xqf, xSxr
x Aa ol Alr Mx AlqSl M Am M Cx xMsm
M U oM AU oQ M mS xp r Mx z M mra
oQ U Mr e xMi W |
Aa xMsm sr ei W M oQ M Mx p sQ
mokM/oMU/ WqSU/ lmaU Lu Cx mMU M
xp Lelxr x e Cx mMU M CYuO/Akql zrU/
mipir M mxiu q zqs r xoki W, M xj Cx
mMU M xqfi MUl Lu CxM mh lwmSl M ij Cx
mMU M xp xxjA Lu Lexr M Mqzl, Sss,
zsM r Alr Lx U mUqM Sl ij Lx Lexr M
xj Lx xp MUU, ml, Sxiue AS lwmSi MUl M
sL LiS U mkMi Mr ei W |
Aa xMsm sr ei W M Emr M mpu oll M
sL lSzM qQs M, oM U lr sQ mokM, WqSU,
xsWMU AU/r Alr urr M xj mUqz MUM, el
luzM M zrU AoOi Mr el W ElM ua, mirM
Zs q AoOi Mr elus zrU, laq qsr (rS
MD W i, mqrq xWi), AMi qsr, laq mU Mxi
M Uz/mipir M miUh/Akm M mra/mipir
M zkl, ore M SU, zkl Auk, DYuO zrU/Akql
zrU r mipir M miUh r zkl r lUxl M oS
in all respects pari passu with the existing equity shares
of the Bank and shall be entitled to dividend declared, if
any, in accordance with the statutory guidelines that are
in force at the time of such declaration.
RESOLVED FURTHER THAT for the purpose of giving effect
to any issue or allotment of equity shares/preference
shares/securities, the Board be and is hereby authorized
to determine the terms of the public offer, including
the class of investors to whom the securities are to be
allotted, the number of shares/securities to be allotted
in each tranche, issue price, premium amount on issue
as the Board in its absolute discretion deems t and do
all such acts, deeds, matters and things and execute such
deeds, documents and agreements, as they may, in its
absolute discretion, deem necessary, proper or desirable,
and to settle or give instructions or directions for settling
any questions, difculties or doubts that may arise in
regard to the public offer, issue, allotment and utilization
of the issue proceeds, and to accept and to give effect
to such modications, changes, variations, alterations,
deletions, additions as regards the terms and conditions,
as it may, in its absolute discretion, deem t and proper
in the best interest of the Bank, without requiring any
further approval of the members and that all or any of
the powers conferred on the Bank and the Board vide
this resolution may be exercised by the Board.
RESOLVED FURTHER THAT the Board be and is
hereby authorized to enter into and execute all such
arrangements with any Book Runner(s), Lead Manager(s),
Banker(s), Underwriter(s), Depository(ies), Registrar(s),
Auditor(s) and all such agencies as may be involved or
concerned in such offering of equity / preference shares/
securities and to remunerate all such institutions and
agencies by way of commission, brokerage, fees or the like
and also to enter into and execute all such arrangements,
agreements, memoranda, documents, etc., with such
agencies.
RESOLVED FURTHER THAT for the purpose of giving effect
to the above, the Board, in consultation with the Lead
Managers, Underwriters, Advisors and/or other persons
as appointed by the Bank, be and is hereby authorized to
determine the form and terms of the issue(s), including
the class of investors to whom the shares/securities are
to be allotted, number of shares/securities to be allotted
in each tranche, issue price (including premium, if any),
face value, premium amount on issue/conversion of
Securities/exercise of warrants/redemption of Securities,
7
 Alr mipir, laq M qsr, Mxi r o/mipir M
miUh, ore M SU, miUh M Auk, UMQ iUZ r
oW xqml ij xoki qqs, pUi q LM r AlM xOM
mU o, UMQ iUZ r oW xqml ij xoki qqs,
pUi q LM r AlM xOM LYxce q xcMUh xWi
lSzM qQs Aml mh uuMkMU M iWi ex Eci
xqf, Czr M xum Lu zi M lkUi MUl M sL
LiS U mkMi Mr ei W |
Aa xMsm sr ei W M ApSl l ML aL Lx zrU/
mipir M, lSzM qQs U Aml xmh uuMkMU M
Akl Lx iUM x lmOl Mr eLa, e uW Eci xqf
AU uk U Alqi W |
Aa xMsm sr ei W M Cx xMsm M mpu oll M
Aa
sL lSzM qQs M Lx xp Mr, qqs AU ce MUl,
elW u AuzrM, Eci Lu uNlr xqf AU DYuO
zrU/mipir M eU MUl M xok q Eim Wlus
Mx p mzl, M r zM M xqkl MUl M sL W
AU Aa Lx xp Mr, qqs AU ce MUl ij Lx
xp msZ Lu sZi M Aiq m Sl AU lwmSi MUl
M sL mkMi Mr ei W, e zrUkUM M AiU
xWqi Aju AlqSl qa oaU ElM uuMkMU M iWi
eU, uNi Lu Alur xqf Aju Cx Azr x ElM
mkMi Mr ei W M Cx xMsm M mkMU U xm
m x Apur AlxU zrUkUM l Aml AlqSl S Sr
W, Lx ql eLa |
Aa xMsm sr ei W M lSzM qQs M, E
Aa
xMsm M mpu oll M sL CxM eUL Sr ar xp
r Mx p AkMU M oM M Akr r mok lSzM
u qZr MrMU AkMU Aju MrmsM lSzM/M
r lSzM M xqi r Lx Alr AkMU/(Ur) M
mirrei MUl M sL LiS U mkMi Mr ei W |
lSzM qQs M ASz U
(mok lSzM u qZr MrMU AkMU-AiU mpU)
xjl : oas
SlM : 01-06-2015
rate of interest, redemption period, number of equity
shares/preference shares or other securities upon
conversion or redemption or cancellation of the Securities,
the price, premium or discount on issue/conversion of
Securities, rate of interest, period of conversion, xing
of record date or book closure and related or incidental
matters, listings on one or more stock exchanges in India
and/or abroad, as the Board in its absolute discretion
deems t.
RESOLVED FURTHER THAT such of these shares /
securities as are not subscribed may be disposed off by
the Board in its absolute discretion in such manner, as
the Board may deem t and as permissible by law.
RESOLVED FURTHER THAT for the purpose of giving
effect to this Resolution, the Board be and is hereby
authorised to do all such acts, deeds, matters and things
as it may in its absolute discretion deems necessary,
proper and desirable and to settle any question, difculty
or doubt that may arise in regard to the issue of the
shares/securities and further to do all such acts, deeds,
matters and things, nalise and execute all documents
and writings as may be necessary, desirable or expedient
as it may in its absolute discretion deem t, proper or
desirable without being required to seek any further
consent or approval of the shareholders or authorise
to the end and intent, that the shareholders shall be
deemed to have given their approval thereto expressly by
the authority of the Resolution.
RESOLVED FURTHER THAT the Board be and is hereby
authorized to delegate all or any of the powers herein
conferred to the Chairman or to the Managing Director
&CEO or to the Executive Director/(s) or to Committee
of Directors or such other ofcer(s) to give effect to the
aforesaid Resolutions.
By Order of the Board of Directors
mql xW Uui PRADYUMAN SINGH RAWAT
MrmsM lSzM EXECUTIVE DIRECTOR
(Additional Charge as MD & CEO)
Place : Bengaluru
Date : 01-06-2015
8
Ommhr
1. urZriqM uur :
mS me eOl AU lSzM M clu M xok q lOx
M qS xZr 3 M oU q uxiuM ijr M Szlus
urZriqM uur lc Sr ar W |
2. mYx M lr :
oPM q pa sl u qiSl M AkMU UZlus zrUkUM
M Aml xjl mU oPM q pa sl u qiSl MUl Wi
mYx M lr MUl M AkMU W AU Lx mYx oM
M zrUkUM Wl AuzrM lW W | mYx Tq M mpu
Wl M sL Ex uwM Aq oPM M iUZ M xqmi x
Mq x Mq 4 Sl mWs Aji auU, 09 esD 2015 M
r Exx mWs oM M mkl Mrsr q eq / Se Mr
eL |
3. mkMi milk M lr :
oM M zrUkUM Mml r Alr Mx p MmUO lMr
M ukui mkMi milk M m q oPM q pa sl u
qi Sl M AkMU Mx ur M Mus ip Wa eo Ex
ukui m x mkMi milk M m q lr MUlus
xMsm M mi, ex oPM q u xMsm mUi Mr ar j
ExM Akr U mqhMi xir mism M m q, oPM
M iUZ x Mq x Mq cU Sl mWs Aji auU, 09
esD, 2015 M r uW Sl xqmi Wl x mWs oM M
mkl Mrsr q eq MUl Wa |
4. meMUh :
oPM q pa s UW zrUkUM M xuk M sL meMUh
mMr oPM xjl q SlM 14 esD 2015 M AmU
02.30 oe x z Wa | zrUkUM x AlUk W M
meMUh AmcUMiL mU MUl M sL oPM q xqr x
mu Emxji UW |
5. Emxji mc :
zrUkUM M xuk M sL Emxji mc - xW
mu mx M Cx lOx M xj xsal Mr ar
W | zrUkUM / mYxkUM / mkMi milkr x
NOTES
1. EXPLANATORY STATEMENT:
The Explanatory Statement setting out the material
facts in respect of Item No. 3 of the Notice regarding
Raising of Paid up Capital is annexed below.
2. APPOINTMENT OF PROXY:
A SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT
THE MEETING IS ENTITLED TO APPOINT A PROXY TO
ATTEND AND VOTE INSTEAD OF HIMSELF AND SUCH
PROXY NEED NOT BE A SHAREHOLDER OF THE BANK.
The Proxy Form in order to be effective must be
lodged at the Head Ofce of the Bank, at least Four
days before the date of the Annual General Meeting
i.e. on or before the closing hours of the Bank on
Thursday, the 09th July, 2015.
3. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE:
No person shall be entitled to attend or vote at
the meeting as a duly authorized representative
of a company or any other Body Corporate which
is a shareholder of the Bank, unless a copy of the
Resolution appointing him/her as a duly authorized
representative, certied to be true copy by the
Chairman of the meeting at which it was passed,
shall have been deposited at the Head Ofce of the
Bank at least four days before the date of the Annual
General Meeting, i.e. on or before the closing hours
of the Bank on Thursday, the 09th July, 2015.
4. REGISTRATION :
In order to facilitate the shareholders attending
the meeting, Registration process will commence
from 2.30 p.m. on Tuesday, the 14th July, 2015. at the
venue. Shareholders are requested to be present
for the meeting well in advance, to complete the
Registration formalities.
5. ATTENDANCE SLIP:
For the convenience of the shareholders, attendance
slip-cum-entry pass is annexed to this notice.
Shareholders / Proxy Holders / Authorised
Representatives are requested to ll in, afx their
9
 AlUk W M u Cx pU u Exq Emsok MUL aL xjl
mU Aml WxiU MU u Ex EmU xjl mU mxii
MU | zrUkUM M mYx / mkMi milk "mYx"
r "mkMi milk" ex p qqs W ExM EssZ
Emxji mc q MU | zrUkUM / mYxkUM / mkMi
milk lO MU M oPM q muz, eW AuzrM W,
xirml / ec M Akl Wa AU ElW xcl S ei W
M u Aml xj mWcl M qlr xoi sL qxsl - qiSi
mWcl MQ / lr mWcl MQ / ml MQ / mxmO
/ QCua sCxx AS | oPM xjl q muz M Alqi
Mus Emxji uk mc - xW - mu mx M AkU mU
S era |
6. zrU AiUhMi LeO M xj xmM :
piM m q zrU M kUh MUl us zrUkUM x
AlUk W M rS ElM meMi mi q MD mUuil W i
u ExM xcl oM M zrU AiUhMi LeO M lqlMi
mi mU S |
Mu MmrOUzrU mCuO sqOQ
rlO : MlU oM
Mu xslrq OuU o, msO xZr 31-32,
acous, llMUqaQ ur es,
WSUoS- 500 032
Aa, zrUkUM M xci Mr ei W M u Aml D-qs
mi zrU AiUhMi LeO (Emr mi mU) r oM M
hosecretarial@canarabank.com mU xci / meMi MU |
upiM m q zrU M kUh MUl us zrUkUM x
AlUk W M Mus Aml lmaU mipar M Emr
mUuil xci MU |
7. oWr M oS MUl :
oM M zrUkUM M UexOU ij zrU AiUh oWr M uwM
xqlr oPM ij oM U bwi clu q pa sl Lu spz
M mmi M WMSU zrUkUM M lkUh MUl Wi zluU,
27 el 2015 x 14 esD 2015, qasuU iM (Sl Sl
xWi ) oS UZ eLa |
signatures at the space provided therein, and
surrender the same at the venue. Proxy/Authorised
Representative of a shareholder should state
on the attendance slip as Proxy or Authorised
Representative as the case may be. Shareholders
/ Proxy holders / Authorised Representatives may
note that the admission to the meeting will be
subject to verication / checks, as may be deemed
necessary and they are advised to carry valid proof of
identity viz., Voters ID Card / Employer Identity Card
/ Pan Card / Passport / Driving license etc. Entry to
the venue will be permitted only on the basis of valid
Attendance Slip-cum-Entry Pass.
6. COMMUNICATION WITH THE SHARE TRANSFER
AGENTS:
Shareholders holding shares in physical form are
requested to intimate changes, if any, in their
Registered Addresses, to the Share Transfer Agents of
the Bank at the following address:
Karvy Computershare Pvt. Ltd
Unit : Canara Bank
Karvy Selenium Tower B, Plot No. 31-32
Gachibowli, Financial District, Nanakramguda
HYDERABAD 500 032
Further, the shareholders are advised to inform/
register their e-mail IDs either to the Share Transfer
Agents (at the above address) or to the Bank at
hosecretarial@canarabank.com.
Shareholders holding shares in dematerialised form
are requested to intimate the aforesaid changes /
e-mail IDs only to their depository participants.
7. CLOSURE OF BOOKS:
The Register of shareholders and the share transfer
books of the Bank will remain closed from Saturday,
the 27th June, 2015 to the Tuesday, the 14th July, 2015
(both days inclusive) in connection with the Annual
General Meeting and for the purpose of ascertaining
shareholders entitled to receive the dividend,
declared by the Bank.
10
8. spz M pail
il:
oQ l uw 2014-15 M sL `10.50 mi CYuO zrU
(105%) M spz M Alzx M W | El zrUkUM
M spz M pail MUl M lhr sr ar W elM
lq zrUkUM M UexOU r rj zuU, 26 el 2015
(ApsZ ij) M LlLxQLs / xQLxLs U mxi
mxii spj xuq UexOU q W AU Ex uwM Aq oPM
M iUZ x 30 Sl M piU pe/ spz Uz M eq
Mr eLa |
9. Tsr M xqMl:
El zrUkUM x, e lq M xqm q q LM x AkM
Zi q zrU UZi W, AlUk W M qxx Mu MmrOUzrU
mCuO sqOQ M El Zi M Zi oW M oU q
xci MU, xj q zrU mqhm p S iM oM U xp
kUh M LM Zi q xqMl Mr e xM| AuzrM mMl
MUl M oS xSxr M rjxqr zrU mqhm umx ML
eLa |
10. ASu spz, rS MD W i
el zrUkUM l Aml spz uUO M lMSMUh
lW Mr W / mNs Aukr rl uw 2007-08 x
2013-14 (Aiq) M spz mmi lW Mr W Elx AlUk
W M u mlqsrMl / Q msMO spz uUO eU MUl M
xok q oM M zrU AiUh LeO x xmM MU |
oM l zrU AiUhMi LeO / r oM M xj hosecretarial@
canarabank.com q Su MUl Wi zrUkUM M xq
oll M sL ASu / AmS spz uUO xok uuUh
ClM uoxCO www.canarabank.com q mxO Mr W |
oMa Mml (Emq M Ael Lu AiUh) Aklrq, 1970
q Aiu kU 10o M AlxU xi xs x pail l Mr
ar r Su l Mr ar spz M UMq M Mml Aklrq,
1956/2013 M kU 205x/125 M Aiai xjmi luzM
z Lu xUh lk (ADDmLT) q xjliUi Mr el
cWL| oM uw 2007-08 x Su l ML aL / AmS
spz M SlM 18 esD 2015 iM AiUh MUl M
mr q W |
8. PAYMENT OF DIVIDEND:
The Board has recommended a Dividend of ` 10.50
per equity share (105%) for the year 2014-15.It has
been decided to pay the dividend to the Shareholders
whose names appear on the Register of Shareholders
/ Benecial owners as furnished by NSDL/CDSL as
on Friday, the 26th June, 2015 (Record Date) and the
Dividend Warrants shall be dispatched/ Dividend
amount credited within 30 days from the date of the
Annual General Meeting.
9. CONSOLIDATION OF FOLIOS:
The shareholders who are holding shares in identical
order of names in more than one account are
requested to intimate M/s Karvy Computershare
Pvt. Ltd, the ledger folio of such accounts together
with the share certicates to enable the Bank to
consolidate all the holdings into one account. The
share certicates will be returned to the Shareholders
after making necessary endorsement in due course.
10. UNCLAIMED DIVIDEND, IF ANY
The shareholders who have not encashed their
Dividend Warrants / received dividend of previous
periods ie., for the years from 2007-08 to 2013-14
(Final), are requested to contact the Share Transfer
Agent of the Bank for revalidation / issue of duplicate
dividend warrants.
The Bank has posted the details of the Unclaimed
/ Unpaid Dividend Warrants on its site ie., www.
canarabank.com to enable the shareholders to claim
by contacting with the Share Transfer Agent / or with
the Bank at hosecretarial@canarabank.com.
As per Section 10B of the Banking Companies
(Acquisitions and Transfer of Undertakings) Act,
1970, the amount of dividend remaining unpaid or
unclaimed for a period of seven years is required to be
transferred to the Investor Education and Protection
Fund (IEPF) established by the Central Govt. under
section 205C/125 of the Companies Act, 1956/2013.
The Bank is in the process of transferring the
Unclaimed / Unpaid Dividend amount for the year
2007-08 to the said fund on 18th July, 2015.
11
11. uwM Um
UmO :
zrUkUM / milkiukUM / mkMi milkr x AlUk
W M u uwM Aq oPM q Ai xqr uwM UmO M
Aml mir s AL | Mmr lO MU M uwM UmO
M mh mi oM M uoxCO (www.canarabank.com)
mU AmsQ M aD W | zUrkUM ExM mPlr xxMUh
uoxCO x QElsQ MU xMi W |
12. zrUkUM M qiSl AkMU :
oMa Mml (Emq M Ael Lu AiUh) Aklrq 1970
M kU 3(2D) M mukl M AlxU, oM M Mx p
zrUkUM, xur MS xUMU M, Aml mx xji oM M
xqa zrUkUM M Ms qiSl AkMU M Sx mizi x
AkM zrU M xok q qiSl AkMU M mra lW MU
xMi W |
13. D-uOa :
oM M mxi W M uW oM M zrUkUM M lOx
q SL aL qS mU Aml qiSl CsYOlM m x MUl
q xq oll M sL D-uOa xuk Emsok MU UW
W | D-uOa M qkrq x qiSl MUl M xok q xp
zrUkUM M LM Asa xxcl/lOx pe e UW W |
14. oPM q qiSl :
Mrxc M xp qS mU cc Wl M oS Akr xp qS
M sL qiSl MUl M ASz Sa | Cx Ezr M sL lr
ML aL ecMiA U qiSl M Arel u mruh
Mr eLa | qiSl M lie M oS Akr oPM M
xqmi bwi MUa | D-uOa M lie M xj qiSl M
lie M bwh oM U ExM uoxCO mU M eLa ij
xOM LYxce M p xci Mr eLa |
lOx M qS xZr 3 q EssZi MUoU M xok q urZriqM
uur
1. oM M cs CYuO me `515.20 MUQ W ij rj 31
qc 2015 M oM M me mrmii Almi 10.56% W
AU pUir Ueu oM U lkUi 9% M isl q MT
AcN W | ijm uxiU MUl M oM M MN relA AU
oxs III qlSQ M Mrlurl AU mUhqxum me mpU
M AsM q me mrmii Almi M AU p oRl M
eUi W |
11. ANNUAL REPORT:
Shareholders / Proxy holders / Authorized
Representatives are requested to bring their copies
of the Annual Report to the Annual General Meeting.
Please note that the full copy of the Annual Report
is uploaded on the website of the Bank (www.
canarabank.com). Shareholders may download the
readable version of the same from the website.
12. VOTING RIGHTS OF SHAREHOLDERS:
In terms of the provisions of Section 3 (2E) of The
Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 , no shareholder of the Bank,
other than the Central Government shall be entitled
to exercise voting rights in respect of any shares held
by him / her in excess of ten per cent of the total
voting rights of all the shareholders of the Bank.
13. e-VOTING:
The Bank is pleased to provide e-Voting facility to the
shareholders of the Bank to enable them to cast their
votes electronically on the items mentioned in the
notice. A separate communication / Notice is being
sent to all the shareholders to enable them to cast
their votes through e-Voting.
14. POLL AT THE MEETING:
After all the agenda items have been discussed,
the Chairman will order Poll in respect of all the
items. Poll will be conducted and supervised under
Scrutinizers to be appointed for the purpose. After
conclusion of the Poll, the Chairman may declare the
meeting as closed. The Results of the Poll aggregated
with the Results of e-Voting will be announced by the
Bank on its Website and also informed to the Stock
Exchanges.
EXPLANATORY STATEMENT IN RESPECT OF THE BUSINESS
MENTIONED AGAINST ITEM NO. 3 OF THE NOTICE:
1. The current Equity Capital of the Bank is `515.20
Crore and the Capital Adequacy Ratio of the Bank as
on March 31, 2015 is 10.56 %, which is well above the
9% stipulated by the Reserve Bank of India. However,
in view of certain expansion plans of the Bank, the
implementation of BASEL III norms and consequent
capital charge, there is a need to increase the capital
to further strengthen the Capital Adequacy Ratio.
12
2. Alqli u M AkU mU WqU lSzM l me oR l AU
oM M xqlr MUoU Ezr M sL me M Cxiqs ML
el M lhr sr W |
3. oMa Mml (Emq M Ael Lu AiUh) Aklrq 1970
M kU 3 (2o) (x) M AlxU cMi me oRl M sL
pUi xUMU, u qsr, pUir Ueu oM x Ami
mulql mmi MUa |
4. xcMUh MUUlq M kU 23 M Em kU (M) q mukl
W M oM U Aa eo Mp MD mxiu r laq Mr
ei W, rS zrUkUM xqlr oPM q Alrj lhr l s,
Ex rjlmi qeS zrUkUM M Emsok MUr eL | E
xMsm rS mUi W ei W i oM M AU x lSzM qQs
M qeS zrUkUM M rjlmi AkU mU laq M Asu
p mipi eU AU AoOi MUl Sr eLa |
5. rW xMsm, xuelM laq, xkMU laq, MqcU xOM
r rel (DLxmLx) r pUi xUMU / pUir Ueu oM
U AlqSi MD Alr mr U DYuO zrU / Akql
zrU / mipir mSl MUl, eU MUl Lu AoOi MUl
M sL oM M xqj olLa | Czr M Aaq Uz x oM
xqr xqr mU pUir Ueu oM U ulS AlxU me
mrmii xok Aml AmA M mU MU mLa |
6. rW xMsm, AD x Q AU ulrqus q mUpwi AlxU
AW xxjai ZUSU M rW AW xxjai msxqlO MUl
M sL lSzM qQs M AkMU Si W | lSzM qQs
Aml uuMkMU M Akl zrUkUM x lr AlqSl mmi
Mr oaU oM M sL lkr eOl Wi AD x Q AU
ulrqus M Akrr VIII q lkUi i M p Aml
xMi W |
AD x Q AU ulrq M Akrr VIII M AlxU Yr
AD m AkU mU mipir M laql "xo ij" M
muui S Wni M SUl xOM LYxce q ESki zWU M
xmiWM E AU lql Axi SU x Mq lW Wl us SU
mU Mr e xMi W | "xo ij" x iimr m A AD
m laq mU oQ r xqi M oPM Arei ij Wa |
7. AW xxjai ZUSU ("Yr AD o") M xj AW xxjai
lreM (YrADm) xWi up uMsm M iWi me
eOl M sL oM M 12u uwM xqlr oPM q xqlr
xp M AlqSl mmi Mr ar | SzlSz M AlxU Lx
2. Based on the growth estimates your Directors have
decided to raise capital and the enhanced capital will
be utilized for the general business purposes of the
Bank.
3. The Bank in terms of Section 3(2B)(c) of the Banking
Companies (Acquisition and Transfer of Undertaking)
Act, 1970, will obtain requisite approval of
Government of India, Ministry of Finance and Reserve
Bank of India for increasing the paid up capital of the
Bank.
4. Sub-Clause (a) of Clause 23 of Listing Agreement
provides that whenever any further issue or offer is
being made by the Bank, the existing shareholders
should be offered the same on pro rata basis unless
the shareholders in the general meeting decide
otherwise. The said resolution, if passed, shall have
the effect of allowing the Board on behalf of the Bank
to issue and allot the securities otherwise than on
pro-rata basis to the existing shareholders.
5. The Resolution seeks to enable the Bank to create,
offer, issue and allot equity shares/preference shares/
securities by way of Follow on Public offer, Rights
Issue, or any other mode approved by GOI/RBI. The
issue proceeds will enable the Bank to strengthen its
Capital Adequacy Requirements as specied by RBI
from time to time.
6. The Resolution further seeks to empower the Board
of Directors to undertake a qualied institutional
placement with qualied institutional buyers as
dened by ICDR Regulations. The Board of Directors
may in their discretion adopt this mechanism as
prescribed under Chapter VIII of the ICDR Regulations
for raising funds for the Bank, without seeking fresh
approval from the shareholders.
In case of a QIP issue in terms of Chapter VIII of
ICDR Regulations, issue of securities, on QIP basis,
can be made at a price not less than the average
of the weekly high and low of the closing prices of
the shares quoted on a stock exchange during the
two weeks preceding the Relevant Date. Relevant
Date shall mean the date of the meeting in which
the Board or Committee of the Bank decides to open
the QIP Issue.
7. The approval of the General Body at the 12th Annual
General Meeting of the bank for raising capital
under various options including QIPs with QIBs was
obtained. As per the guidelines, the validity of the
resolutions is restricted to one year for such QIPs.
13
 AW xxjai lreM (YrADm) M sL xMsm M uki
LM uw iM xqi UWa | pu AuzrMiA M qleU
(E mU 1 q uhilxU), xqlr oPM M AlqSl SoU
qa ei W |
8. mxiu M uxii zi M xsWMU, sQ mokM AU
WqSU Lu Lx Ami Alr mkMU Aju mkMUr
M xj mUqz MUM oeU M mcsi xji Lu
Alr ulrqM AmA mU ucU MUi WL lkUi Mr
eLa |
9. cM mxiu M qsrlkUh oS q Mp p Mr e xMi
W, eU Mr elus zrU M qsr oil xpu lW
W | Mi uW, xqr-xqr mU rj xzki AD x Q
AU ulrqus, oMa Mml (Emq M Ael u AiUh)
Aklrq 1970 AU MlU oM (zrU Lu oPM) ulrqus
2000 Aju Alr Mx SzlSz / ulrq / xWqi M
mukl M AlxU Wa eM sa W Aju Ami W |
10. E MUh x, Czr M zi M Aiq m Sl M sL
lSzM qQs M mrmi scsml Lu lhrkMU mSl
MUl M sL xqj oll Wi LM xMsm mUi MUl M
mxiu Mr ei W |
11.eU Mr ar DYuO zrU xp Sr x oM M qeS
DYuO zrU M xqisr Wa|
CxM sL oM M uzw xMsm M m q zrUkUM M xWqi
mmi MUl Wi W| Ai: Emr mxiu M sL AmM xWqi M
sL AlUk Mr ei W |
lSzM qQs lOx q ElxU uzw xMsm M mUi MUl
M sL xTUz MUi W |
oM M Mx p lSzM M EmU xMsm q MD Wi r
xok lW W, xur oM q ElM zrUkUh M WS iM, rS
MD W i|
(mok lSzM u qZr MrMU AkMU-AiU mpU)
xjl : oas
SlM : 01-06-2015
Keeping in view the future requirements (as denoted
in para 1 above), the approval of the General Body is
sought once again.
8. The detailed terms and conditions for the offer will be
determined in consultation with the Advisors, Lead
Managers and Underwriters and such other authority
or authorities as may be required, considering the
prevailing market conditions and other regulatory
requirements.
9. As the pricing of the offering cannot be decided
except at a later stage, it is not possible to state
the price of shares to be issued. However, the
same would be in accordance with the provisions
of the ICDR Regulations, the Banking Companies
(Acquisition and Transfer of Undertakings) Act,
1970 and the Canara Bank (Shares and Meetings)
Regulations, 2000 as amended from time to time or
any other guidelines/regulations/consents as may be
applicable or required.
10. For reasons aforesaid, an enabling resolution is
therefore proposed to be passed to give adequate
exibility and discretion to the Board to nalise the
terms of the issue.
11. The equity shares allotted, shall rank pari passu in all
respects with the existing equity shares of the Bank.
For this purpose the Bank is required to obtain the
consent of the shareholders by means of a special
resolution. Hence your consent is requested for the
above proposal.
The Board of Directors recommends passing of the
Special Resolutions as mentioned in the notice.
None of the Directors of the Bank is interested or
concerned in the aforementioned Resolution(s),
except to the extent of their shareholding, if any in
the Bank.
lSzM qQs M ASz U By Order of the Board of Directors
m
ql xW Uui PRADYUMAN SINGH RAWAT
MrmsM lSzM EXECUTIVE DIRECTOR
(Additional Charge as MD & CEO)
Place : Bengaluru
Date : 01-06-2015
14
 mai M fsM / PROGRESS AT A GLANCE
(Uz ` MUQ / Amt. ` Crore)

2012-13 2013-14 2014-15

zZA M xZr / Number of Branches 3728 4755 5682

LOLq M xZr / Number of ATMs 3526 6312 8533
mS me / Paid-up Capital 443 461 475
AUi lkr / Reserves 24435 29159 31384
Ms eqL / Aggregate Deposits 355856 420723 473840
u (%) / Growth (%) 8.81 18.23 12.63
Alux eqL / Non-Resident Deposits 17164 22984 28829
uSz MUoU / Foreign Business Turnover 143795 166036 176274
Aaq (lus) / Advances (Net) 242177 301067 330036
u (%) / Growth (%) 4.17 24.32 9.62
ZSU Aaq / Retail Advances 23084 33529 42298
u (%) / Growth (%) -6.85 45.25 26.15
mjqMi Aaq / Priority Sector Advances 78998 97762 118234
u (%) / Growth (%) 17.24 23.75 20.94
Mw / Agriculture 40786 48797 58868
u (%) / Growth (%) 27.67 19.64 20.64
Mw (xuiUh) / Agriculture(Disbursal) 33730 41667 45232
xq, sb u qkrq Eq / Micro, Small and Medium Enterprises (MSMEs) 37016 50040 60604
u (%) / Growth (%) 6.08 35.18 21.11
QAUAD rel M iWi Aaq / Advances under DRI Scheme 67 145 173
Al.e./Al.el.e.aWM M Aaq / Advances to SC/ST Clients 5179 6102 6466
lri xZ / Export Credit 10067 11854 11785
Ms Ar / Total Income 37231 43480 48300
Ms urr / Total Expenditure 31341 36684 41350
mUcsl sp / Operating Prot 5890 6796 6950
lus sp / Net Prot 2872 2438 2703
aWM AkU (MUQ q) / Clientele (In Crore) 4.70 5.55 6.58
Ms MqcUr M xZr / Total Number of Staff 42693 48794 53984
qZr MrlwmSl Almi (%) / Key Performance Ratios (%)
me mrmii Almi / Capital Adequacy Ratio 12.40 10.63 10.56
xMs LlmL Almi / Gross NPA Ratio 2.57 2.49 3.89
lus LlmL Almi / Net NPA Ratio 2.18 1.98 2.65
Axi Axir mU miTs / Return on Average Assets 0.77 0.54 0.55
CYuO mU miTs / Return on Equity 14.03 10.59 11.06
oW qsr (` ) / Book Value (` ) 490.56 522.76 552.54
mi zrU Ael (` ) / Earnings per Share (` ) 64.83 54.48 58.59
lus ore qel / Net Interest Margin 2.40 2.27 2.25

15
lSzM M UmO
2014-2015
DIRECTORS REPORT

16
lSzM M UmO: 2014-15
lSzM qQs U rj 31 qc, 2015 M Auk M sL
islm u rj 31 qc, 2015 M xqmi ur uw M sL
sp u Wl sZ xWi 46u uwM UmO xWw mxii M on 31st March, 2015 and Prot and Loss Account for the
e UW W |
mokl ucU-uqz u uzswh
I. ur mUuz
ur
qZr uM AjuruxjA q uxs kq u Axql
j | ijm, uw M SUl pUir Ajuruxj l mNs uw
M isl q oWiU mSzl Mr | MSr xZrM xaPl
(xLxA) U eU Aliq Alql M AlxU uw
2014-15 M sL olrS Mqi mU rei xMs qsr
mNs uw 2013-14 M 6.6% M isl q jQ oRi M
xj 7.2 % Alqli W | ulqh l mNs uw M
5.3% M isl q 7.1% M u Se M | Mw u xWrM
aiukr ij Zll u EiZll qz: mNs uw M 3.7% u
5.4% M isl q bOMU 0.2% u 2.4% UW | lqh mNs
uw M 2.5% M isl q oRMU 4.8% W ar | xu
M iWi oes, ax, es Ami u Alr Emrai xuL
mNs uw M 4.8% M isl q oRMU 7.9% UW | urmU,
WOs, mUuWl u xcU ij mxUh x xoki xuA
l 10.7% (11.1%) M u Se M | url, xjuU xmS
u uruxrM xuA l 11.5% (7.9%) M u Se M
ij sM mzxl, U u Alr xuL 7.2%(7.9%) M u
Se M |
qSxTi SU, jM qsr xcMM u Emp qsr xcMM
Sl Aml Eiq x Mq WMU xqlr UW | eoM Emp
qsr xcMM AkUi qSxTi qc 2015 q 5.25% j
ij qSxTi AkUi jM qsr xcMM lMUiqM SU
x 2.33% UW |
uw M zAi q uSz urmU MqeU UW ij
SxoU 2014 iM xMci Wi UW | uherM Axcl u
xZrM qW lSzsr x eU ML aL Aliq QO M
AlxU urmUM lri qZrir MqeU uSz qa M MUh
mNs uw M 314.42 osrl rLx QsU M isl q 1.24%
M Mq M xj 310.53 osrl rLx QsU UW | Mcc
is M Mqi q Mq M MUh ij is u is M Asu
Alr Ari q aUuO M MUh Ari 0.6% bOMU 447.55
osrl rLx QsU UW | uw M SUl urmU bO mNs
uw M 136 osrl rLx QsU M isl q 137 osrl
rLx QsU UW | mUhqi: Sz M cs Zi bO xMs
bUs EimS M 1.3% UWl M Alql W e mNs uw x
1.7% Mq W |
DIRECTORS REPORT: 2014-15
The Board of Directors have pleasure in presenting the
46th Annual Report together with the Balance Sheet as
nancial year ended March 31, 2015.
MANAGEMENT DISCUSSION AND ANALYSIS
I. ECONOMIC ENVIRONMENT
Recovery in major global economies was slow
and uneven. However, Indian economy during the
year showed improvement over the previous year.
As per the provisional estimates released by the
Central Statistical Organization (CSO), Indias gross
value added (GVA) at basic prices grew by 7.2%
for 2014-15, higher compared to 6.6% recorded
during 2013-14. Agriculture and allied activities
recorded a growth of 0.2% compared to 3.7% last
year. Mining & quarrying grew by 2.4% compared
to 5.4% last year. Manufacturing sector grew higher
by 7.1% compared to 5.3% in the previous year.
Construction grew higher by 4.8% against 2.5% last
year. Electricity, gas, water and other utility services
grew higher by 7.9% compared to 4.8% last year. In
the services segments, trade, hotels, transport and
communication and services related to broadcasting
grew by 10.7% (11.1% last year), nancial, real estate
and professional services grew by 11.5% (7.9%) and
public administration, defence and other services
grew by 7.2% (7.9%).
Ination rates, both wholesale price and consumer
price indices have been moderating from their peaks.
While consumer price index-based ination was at
5.25% in March 2015, wholesale price index-based
ination was at negative 2.33%.
External trade sector remained weak in the beginning
of the year and started contracting since December
2014. As per the provisional data released by the
Directorate General of Commercial Intelligence and
Statistics (DGCI&S), merchandise exports declined by
1.24% to US$310.53 billion compared to US$314.42
billion last year, primarily due to sluggish overseas
demand. Imports declined by 0.6% to US$447.55
billion, owing to lower crude prices and reduction in
both oil and non-oil imports. Trade decit stood at
US$137 billion during the year compared to US$136
billion last year. Consequently, countrys Current
Account Decit (CAD) is estimated to be 1.3% of
gross domestic product, lower than 1.7% last year.
17
 Ws M uw q WD uMx q qS M qleU MlS xUMU
AU pUir Ueu oM U Ajuruxj M mleui MUl M
sL bwi up Emr x pUir urmM AjM mUSzr
q xkU SZD S UW W | MUoU fl q xkU WA W,
exl pUi M kUhr xu M mUSzr q bUs u uSz
luzM M krl u ux AMwi Mr W |
MlOM q AjM mUuz
Ur Ajuruxj q xkU M MUh MlOM M oeO
2014-15 M AlxU, Alqli xMs Uer Sz EimS
(eLxQm) q uxiuM u uw 2013-14 M 5% M isl
q uw 2014-15 M SUl 7% Wa | MlU oM M ESaq
MlOM Uer q Wl M li Exl Cx Uer q Aml qZr
xjl olr UZ| oM, Uer pU q Aml 940 zZA ij
1897 LOLq M eUL Aah pqM AS MUi A UW W |
oM M Ms bUs MUoU q Uer M raSl 16% UW | Uer
q oM M Ms MUoU `122820 MUQ UW exq rj qc
2015 M `71720 MUQ eq AU `51100 MUQ Aaq UW |
II. qSM u oMa uMx
uw 2014-15 q mqZ qSM xqa AU lMS Ami q
WD u l Sz u uM ur mUuz x Eim Wlus
mUuilzs lMS mUxjir M miooi Mr W | uw M
SUl qSM li M mkl Ezr qS xTi M UMl AU
iUsi mokl W | lMS Ami (Lq3) u e u uw M
AUp q 13.6% j, qc 2015 M xqmi iM 11.1% UW |
Alxci uher oM M xqr eq M u mNs uw
M 14.1% M isl q 11.4% UW | Gh M u mNs uw
M 13.9% x Mq WMU 9.5% UW | Gh-eq Almi rj
20 qc, 2015 M 76.46% M xj Eiq UW |
oMa oQ mql mU xqa AjM aiukr x mpui macroeconomic activities. Due to economic
W | Ws W M uw M lUiU AjM qS M MUh oMa
M ilumh qWs q UWl mQ e MUoU u, Axi
ahu ij spmSi q xm m x miooi WD |
With the announcement of numerous measures
both by the Central Government and Reserve Bank of
India to revive the economy, macroeconomic scenario
in India is showing improvement from the growth
slowdown that occurred in the recent years. Business
sentiments have improved, drawing attention and
condence of both domestic and overseas investors
on the sustainable India growth story.
Economic Environment in Karnataka
As per the Economic Survey of Karnataka 2014-
15, the growth in Gross State Domestic Product
(GSDP) estimated at 7% for 2014-15 compared to
5% during 2013-14 on account of recovery in the
national economy. Canara Bank, owing its origin to
the State, is continuing its key position in the State.
The Bank has been playing a leading role in the State
through its 940 branches and 1897 ATMs. The State
contributes about 16% to total domestic business of
the Bank. The total business of the Bank in the State
stood at `122820 crore, comprising `71720 crore
under deposits and `51100 crore under advances as
at March 2015, with a Credit Deposit (C-D) ratio of
71.25%.
II. MONETARY AND BANKING DEVELOPMENTS
Growth in key monetary aggregates and money
supply in 2014-15 reected the changing liquidity
conditions arising from domestic and global nancial
environment. The monetary policy stance during
the year was primarily to contain ination and
manage liquidity. Money supply (M3) growth, which
was 13.6% at the beginning of the nancial year,
moderated to 11.1% by end-March 2015.
During the year, while aggregate deposits growth of
Scheduled Commercial Banks (SCBs) was at 11.4%
compared to previous year growth at 14.1%, credit
growth came down to a singledigit at 9.5% against
a growth of 13.9% last year. The credit-deposits ratio
remained high at 76.46% as on March 20, 2015.
Banking sector is largely inuenced by the overall
slowdown in the recent years, the banking sector
continued to reel under stressed scenario, which is
clearly reected on business growth, asset quality
and protability.
18
uw 2014-15 M SUl pUir Ueu oM U bwi li xok
qZr Emr q lqlsZi mUuil SZ aL |
Um SU AU mi Um SU q 50 AkU oSA M Mq MUM
qz: 7.50% AU 6.50% Mr W |
iSlxU, qels xOQa TxsO (LqLxLT) SU u oM
SU M Um SU M xj 100 AkU oSA M xj xqrei
MUi WL 8.50% Mr ar |
uw M SUl AUi lMS lk Almi (xAUAU) M
ElM lus qa AU qrS SriL (LlQOLs) M 4% mU
AmUuii UZ ar |
uw M SUl xukM cslk Almi (LxLsAU) M 150
AkU oSA q Mq MUM 21.50 % mU UZ ar |
uw M SUl Um SU AU LqLxLT SU q mUuil
The year 2014-15 saw the following changes in the key
policy measures announced by the Reserve Bank of India
(RBI).
Repo rate and Reverse Repo rate decreased by 50
basis points (bps) to 7.50% and 6.50% respectively.
Accordingly, Marginal Standing Facility (MSF) Rate
and Bank Rate was aligned 100 bps above repo rate
at 8.50%.
Cash Reserve Ratio (CRR) was kept unchanged at 4%
of Net Demand and Time Liabilities (NDTL) during
the year.
Statutory Liquidity Ratio (SLR) was decreased by 150
basis points to 21.50% during the year.
Changes in Policy Rates during the year

Ll Q O Cash Re- Statu-

xukM Reverse
Ls M Lq Lx Repo serve Ratio tory MSF
mi cslk Effective Repo
x Um AUi LT Rate (CRR) liquidity Rate
Um SU Almi Since rate
mpu SU % lMS Almi Almi (%) (%) of ratio (%)
(%) (LxLsAU) (%)
(xAUAU) (%) NDTL (SLR) (%)
(%)
(%)
June 3,
03 el, 2014
8.00 7.00 4.00 22.50 9.00
8.00 7.00 4.00 22.50 9.00
2014
August 5,
05 Aaxi, 8.00 7.00 4.00 22.00 9.00
8.00 7.00 4.00 22.00 9.00 2014
2014

15 eluU, January
7.75 6.75 4.00 22.00 8.75 7.75 6.75 4.00 22.00 8.75
2015 15, 2015

03 TUuU, February 3,
2015
7.75 6.75 4.00 21.50 8.75 7.75 6.75 4.00 21.50 8.75
2015

04 qc, March 4,
2015
7.50 6.50 4.00 21.50 8.50 7.50 6.50 4.00 21.50 8.50
2015
uw M SUl pUir Ueu oM U lqlsZi li xok mqZ During the year, RBI made the following major policy
bwhL M ar : announcements:
Axi ahu mU mU Ea M ci M krl q UZi WL Considering industry-wide concerns about asset quality,
pUir Ueu oM U oxs ||| lrq M mh Mrurl M transition period for full implementation of Basel III norms,
xqh Auk M mu M 31 qc 2018 x oR MU 31 qc, was extended by the RBI up to March 31, 2019 from the
2019 iM Mr ar | earlier March 31, 2018.
eluU 2015 x iUsi MuUe Almi(LsxAU) M Mrurl M Guidelines issued for implementing Liquidity Coverage Ratio
sL SzlSz eU ML aL ij oM M Akql LxLsAU (LCR) from January 2015 and also permitted banks to reckon
AuzrMi M iWi mjq xiU M E ahui iUs Axir M Government Securities upto 5% of the NDTL within the
m q 5% iM xUMU mipir q UZl M Alqi p S ar mandatory SLR requirement as level 1 High Quality Liquid
ij qa UWi eqA M p Alqi mSl M ar | Assets (HQLA) and allowed non-callable deposits.

19
 lus xjD lkrl Almi (LlLxLTAU), 2015 mU qxS
SzlSz eU Mr el ij pUi q oM M sL
LlLxLTAU M Mrurl 1 eluU, 2018 x MUl Wi
mioi |
micr me oTU(xxxo) mU SzlSz eU ML aL
W ij rW xci Mr ar M mUxjir M AuzrMi
M AlxU xxxo xr ML eL Lu cU iqWr M
xqr xq M xj AqiU mU lhr mu bwi Wa |
bUs mhso qWiumh oM(QLxADo) x xuruWU
xUcl eU ML aL |
mlxUcl u Axi mllqh Mmlr (LAUx) M Axir
M o mU SzlSz eU ML aL |
ulrqM mruh M AU qeoi oll Wi oM M
apU ur qlSQ M mWcl M sL LM mu ciul
mhs(DQosrLx), AkM oUM lUh, BlxDO ec
ij rS AuzrM W i SQiqM MruD Mr ar W |
oM M MN zi M Akl olrS xUcl Em u xxi
Aux Sbuk mUrel M EkU M sL MN ulrqM
mur AkMU q NO M xj Sbuk oQ eU MUl M
Alqi S ar W |
p.U.o. Asm lMS uiuUh M AU AaxU Wl M sL
mUcsl mr ij qoCs oMa xuL mSl MUl
zqs mrA, xqxi pUi q os pail mhs(pUi
os pail mhs) ij LqLxLqD M oeM/ os M
OAUQLx M qkrq x AmsQa, xuMri, o Mr
el ij lmOl M sL mhs xjmi u mUcsi MUl
Wi qlMMUh M xpul M ec MU UW W |
Zi Zsl q Aq laUM U xql ML el us
MPlDr M Mq MUl M sL SzlSz eU Mr el
mxiui W exx oM U aWM M lql eZq xiU q
MD mUuil lW Wl mU AukM Ail M xqr mi u
mWcl M lr mqhm M qa MUl mU os lW Sr eL
ij xumqhl M Alqi S eL Lu Sxiue M mqhi
mi QM/qs U xuMU ML eL |
oM M xci Mr ar M SxiueMUh M mU MUl M
sL, xZi AuzrMi M m q aWM M AU x mrx
M Mq MUi WL lql eZq us mUl aWM xWi xp
aWM M sL MuDx mU MU ij rjci xqr xq M
piU Almsl l MUlus aWM M Zi mU UM sa S |
To issue draft guidelines on Net Stable Funding Ratio
(NSFR), 2015 and is committed to implement NSFR
from January 1, 2018 for banks in India.
Guidelines on Countercyclical Capital Buffers (CCCB)
were issued and it was advised to activate CCCB
as and when circumstances warrant, and that the
decision would normally be pre-announced with a
lead time of four quarters.
Released framework for dealing with Domestic
Systemically Important Banks (D-SIBs)
Guidelines on restructuring and sale of assets to
Asset Reconstruction Companies (ARCs) were issued.
To further strengthen regulatory supervision, an
Early Warning System (EWS) has been enput in place
to track banks critical nancial parameters and
trigger more granular oversight, onsite examination
and punitive actions, if warranted.
Banks were permitted to issue long term bonds, with
exemptions from certain regulatory pre-emptions,
for lending to long-term projects in infrastructure
sub-sectors and affordable housing, subject to
conditions.
To move towards a less cash society, RBI is examining
the feasibility of standardization in the operational
processes and procedures involved in extension
of mobile banking services, implementation of a
pan-India bill payment system (Bharat Bill Payment
System) and setting up and operationalisation of a
system for uploading, accepting, discounting and
settlement of the invoices/bills of Micro, Small
and Medium Enterprises (MSMEs) through a Trade
Receivables Discounting System (TReDS).
To ease difculties faced by common persons to
open accounts, it was proposed to issue guidelines
so that banks do not insist physical presence/ seek
fresh proof of identity and address of the customers
at the time of periodic updation in case there is no
change in low risk status of customers and allow
self-certication and accept a certied copy of the
document by mail/post, etc.
Advised banks to complete KYC for all customers,
including long standing low risk customers, to
complete documentation while minimizing efforts
on part of the customers to what is strictly needed
and to partially freeze accounts for customers unable
to comply within a reasonable time period.
20
uw 2015-16 M sL SM
Mh
uM uMx 2015 q 3.5% ij 2016 q 3.8% mUsi W e
uMxi Ajuruxj Wi uMx M ai q xii u M xj
EpUi Ajuruxj M mioqoi MUi W | rm pUeliM
ilu, ur oeU q uxiA u Axi qsr q AxjUi xok
iiu x uMx M aUuO eZq p EeaU W xMi W |
pUi M uMx M xpul mNs uw M ie M oS 2015-
16 q AU AkM oRl M Az M ei W | p,U.o. l Aml
ir qxM qSM li uuUh 2015 -16 q Ajuruxj q
mUsi uMx SU mu M 7.8% M M Akaq xzkl MUi
WL 7.6% Mr W | pUi xUMU l p Aml 2014-15 M AjM
xuh q uMx SU 8.1 x 8.5% mUsi Mr W | up
Alr Zri mmi Lexr l p uMx SU 7.5% mUsi Mr
W(ADLqLT, u oM u qQe) | xUMU u p.U.o. U csL
e UW MSq, ore SU M Mq Mr el ij qSxTi M
xji, AaM EimSl u luz q W UW xkU, me muW q
u ij ur oeU M xji, qSM u cs Zi bO q
Mq x uMx q u M Az M ei W | AiUr oeU q
M is M qsr q ENs, As-ll mpu M MUh xqlr x
Mq qlxl ij Mw EimSl mU CxM mpu uMx M aUuO
eZq M EeaU MU xMi W |
uw 2015-16 q oMa M mSzl Ajuruxj M xqa
uMx mU lpU Wa | ijm, uw M SUl oM M xql qZr
clir Axi ahu ij mlxUci Axir M Txsl M
xql MUl, me eOl, ur xquzl ij Gh u q
lkrl M sL xxkl eOl W |
III. uw 2014-15 q MlU oM
pUi q xuelM M oM q Aa
MlU oM l 2014-15 M SUl Aml lOuM M uxiU MUi
WL 930 zZL AU 2221 LOLq eQ i WL rj qc 2015
M zZA M xZr 5682 ij LOLq M xZr 8533
W | oM M aWM M Zi M xZr 6.6 MUQ x AkM
W | oeU q Aml xji M qeoi olL UZl M sL
oM l QsuU cls, xcl maM, aWM xu, MUoU
mr mlulrx MqcU l ij lL EimS / xu mrA
q saiU luz eU UZ W |
OUTLOOK FOR 2015-16
Global growth is projected at 3.5% in 2015 and 3.8%
in 2016, reecting a gradual increase in the pace of
growth for advanced economies, followed by emerging
market economies and others. However, downside risks
to growth may emanate from the factors related to
geopolitical tensions, volatility in commodities and asset
price in nancial markets.
Indias growth prospect is expected to accelerate further
in 2015-16 after showing pick up last year. The RBI, in its
Second Bi-monthly Monetary Policy Statement, 2015-16,
revised downward the projected growth of the economy
at 7.6% from the earlier projection of 7.8%. Government
of India in its Economic Survey for 2014-15 also projected
a growth in the range of 8.1-8.5%. Various other reputed
agencies have also projected a growth of 7.5% (IMF, World
Bank and Moodys). Growth is expected to be boosted by
the ongoing measures being taken by Government and
RBI, easing interest rate and ination scenario, improving
industrial production and investments, improving capital
ows and nancial market conditions, reduction in scal
and current account decits. Downside risks to growth
may emerge that include spike in international crude oil
prices, under normal monsoon triggered by the El-Nino
effects and its impact on agriculture output.
The performance of the banking sector in 2015-16 would
largely depend on the overall growth of the economy.
Major challenges, however, before the banks during the
year would be to address issues of asset quality and
slippage from the restructured assets, mobilizing capital,
nancial inclusion and resource mobilization to fund
credit growth.
III. CANARA BANK IN 2014-15
Aah oM M m q As one of the leading public sector banks in India,
Canara Bank during 2014-15, further expanded its
network by adding 930 branches and 2221ATMs,
taking the number of branches to 5682 and ATMs
to 8533 as at March 2015. The Bank is catering to
6.6 crore customer accounts. The Bank continues to
invest in delivery channels, IT infrastructure, customer
service, business process reengineering, innovative
products/services and staff knowledge to strengthen
market position.
21
climh AjM u oMa uiuUh M mUmr q MlU Against the backdrop of challenging economic and
oM l uw M SUl ZSU MUoU, Mx, Axi ahu, banking environment, Canara Bank fared well during the
uxs u zsM Ar ex qWiumh q oWiU mSzl year in line with its corporate thrust areas, such as, Retail
Mr W | Business, CASA, Asset Quality, Recovery and Fee Income.

ur lwmSl FINANCIAL PERFORMANCE

sp ij spmSi q oM M lwmSl lqllxU UW: The performance of the Bank on prots and protability is as
under:
oM M mUcsl sp mNs uw M `6796 MUQ M isl q
2.27% M oRU M xj `6950 UW | Operating prot of the Bank increased by 2.27% to `6950 crore
compared to `6796 crore last year.
mNs uw M `4358 MUQ M isl
Total provisions and contingencies
q Ms mukl u AMxqMiL
was at `4248 crore compared to
`4248 MUQ UW | oM M lus
`4358 crore last year. The Banks
sp mNs uw M `2438 MUQ M net prot increased by 10.85% to
isl q 2014-15 M sL 10.85% `2703 crore for 2014-15 compared
u M xj `2703 MUQ UW | to `2438 crore last year.
uw M sL Axi Axir mU miTs Return on Average Assets (RoAA) for
mNs uw M 0.54% M isl q the year improved to 0.55% against
0.55% UW | uw M sL mi MqcU 0.54% last year. Prot per employee
sp mNs uw M `5.00 sZ M worked out to `5.01 lakh for the year
isl q `5.01 sZ UW | compared to `5.00 lakh a year ago.

qc qc March March
qZr ur Almi (%) Key Financial Ratios (%)
2014 2015 2014 2015
lkr M sai 6.80 6.84 Cost of Funds 6.80 6.84
lkr mU miTs 8.79 8.78 Yield on Funds 8.79 8.78
eqA mU sai 7.42 7.38 Cost of Deposits 7.42 7.38
Aaq mU miTs 10.54 10.75 Yield on Advances 10.54 10.75
luz mU miTs 8.03 8.00 Yield on Investments 8.03 8.00
LQosrLT mU Mqi sai 1.99 1.94 Spread as a % to AWF 1.99 1.94
AiU % q
Net Interest Margin (NIM) 2.27 2.25
lus ore qel (lq) 2.27 2.25
Operating Expenses to AWF 1.35 1.47
LQosrLT mU mUcsl urr 1.35 1.47
Return on Avg. Assets (RoAA) 0.54 0.55
Axi Axir mU miTs 0.54 0.55 Return on Equity 10.59 11.06
CYuO mU miTs 10.59 11.06
Business per Employee 14.42 14.35
mi MqcU MUoU 14.42 14.35 (` Crore)
(` MUQ q) Prot per Employee 5.00 5.01
mi MqcU sp (` sZ q) 5.00 5.01 (` Lakh)
oW qsr (`) 522.76 552.54 Book Value (`) 522.76 552.54

mi zrU Ael (`) 54.48 58.59 Earnings per Share ( `) 54.48 58.59

L Qosr LT - Axi Mrzs lk AWF - Average Working Funds

Ar u urr uzswh Income and Expenditure Analysis

22
oM M Ms ore Ar mNs ur uw M `43480 MUQ
M isl q uwluw 11.09% u MUi WL `48300 MUQ M
u Se M | Gh u Aaq mU ore Ar 12.68% M u
M xj `32066 MUQ iM mWc uW luz x ore 6.56%
M u M xj `10924 MUQ UW | uw 2014-15 q Ms Ar
q Gh u Aaq x Ar M mizi zrU mNs uw M 65% x
oRMU 66% W ar |
oM M qZr M AlMs oreiU Ar mNs uw M `3933
MUQ M isl q 15.70% M u M xj `4550 MUQ UW |
oreiU Ar M qZr Mqzl, ulqr xuruWU ij Sss
(`929 MUQ), ulqr slSl x sp (`782 MUQ), o Zi
q Qs aL Zi x uxs (`381 MUQ), luz M o x
sp (`1148 MUQ) ij xu mpU u Alr uuk Mqzl
(`1096 MUQ) UW | oreiU Ar M WxxSU Ms Ar
M mNs uw M 9.05 % M isl q uw 2014-15 M sL
9.42% UW |
rj qc 2015 M eqA mU oM M sai 7.38% iM Mq W
ar W ij Aaq mU miTs 10.75% iM oR ar | ore Mqi
sai AiU mNs uw M 3.12% M isl q 3.37%
oM M ore urr mNs uw M `30603 MUQ M
isl q 11.38% u M xj `34086
oR | mUcsl urr mNs uw M `6081 MUQ M isl q
19.45% u M xj `7264 MUQ iM oR | uw 2014-15 M
sL Ms urr q ore urr M mizi Wxx 83% UW |
The Banks total income recorded a y-o-y growth of 11.09%
to reach `48300 crore compared to `43480 crore last
year. While interest from loans and advances increased
by 12.68% to `32066 crore, interest from investments
rose by 6.56% to `10924 crore. The percentage share of
income from loans & advances in total income increased
from 65% last year to 66% in 2014-15.
In line with the thrust areas for the Bank, non-interest
income increased by 15.70% to `4550 crore compared
to `3933 crore recorded last year. Contribution of major
segments of the non-interest income was Commission,
Exchange & Brokerage ( `929 crore), prot from exchange
transactions (`782 crore), recovery from written off
accounts (`381 crore), prot on sale of investments
( `1148 crore) and service charges and other miscellaneous
commission ( `1096 crore). The percentage share of non-
interest income to total income increased from the last
years level of 9.05% to 9.42% for 2014-15.
The Banks cost of deposits reduced to 7.38% and yield on
advances increased to 10.75% as at March 2015. Interest
spread, the difference between cost and yield, was at
UW |
3.37% compared to 3.12% a year ago.
The Banks interest expenses increased by 11.38%
MUQ iM to `34086 crore compared to `30603 crore last year.
Operating expenses grew by 19.45% to `7264 crore from
`6081 crore last year. The percentage share of interest
expenditure in total expenditure in 2014-15 has been
contained below 83%.
23
ore Ar, mS ore u oM U Aei ore q AiU mNs
uw M `8944 MUQ M isl q 8.04% M u M xj
`9664 MUQ UW | lus ore qel (lq) qc 2015 M SUl
2.25% UW |
me ij AUi lkr
oM M lus qsri, rj qc 2014 M `23394 MUQ M
isl q rj qc 2015 M oRMU `26256 MUQ W | eW oM
M mS me `475 MUQ UW, uW AUi lkr AU Akzw
`31384 MUQ iM oR |
uw 2014-15 M SUl pUi xUMU l 31.03.2015 M 1.39
MUQ DYuO zrU M Akql AoOl U oM q `570
MUQ M me M muW Mr | EmU M mUhqxum, oM q
pUi xUMU M zrUkUi 69% M mu xiU x oRMU 69.91%
iM W aD | uw M SUl oM l `1500 MUQ M oxs III
Almsi AiU OrU I ohQ eOr exx oM M Ms me `1500 crore Basel III compliant additional Tier I
lk `36137 MUQ W ar |
The net interest income, the difference between interest
paid and interest earned by the Bank, increased by 8.04%
to `9664 crore compared to `8944 crore last year. Net
Interest Margin (NIM) stood at 2.25% as at March 2015.
Capital and Reserves
Networth of the Bank, as at March 2015, increased to
`26256 crore compared to `23394 crore as at March
2014. While total paid-up capital of the Bank was `475
crore, reserves and surplus increased to `31384 crore.
In 2014-15, Government of India infused `570 crore
capital in the Bank by way of preferential allotment of
`1.39 crore equity shares on 31.03.2015. On account
of the above, the Government of Indias shareholding
in the Bank increased to 69.91% from the earlier
level of 69%. During the year, the Bank also raised
bonds, taking the total capital funds to `36137 crore.
24
 me xUcl Composition of March March
qc 2014 qc 2015
oxs III Capital Basel III 2014 2015

eZq kUi Axir 312226 342248 Risk Weighted Assets 312226 342248

xDO I 23132 25222 CET I 23132 25222

xDO I (%) 7.41 7.37 CET I (%) 7.41 7.37

LO I 859 2238 AT I 859 2238

LO I (%) 0.27 0.65 AT I (%) 0.27 0.65

OrU I me 23991 27459 Tier I Capital 23991 27459

xAULAU (%)(OrU I) 7.68 8.02 CRAR (%)(Tier I) 7.68 8.02

OrU II me 9205 8678 Tier II Capital 9205 8678

xAULAU (%) (OrU II) 2.95 2.54 CRAR (%)(Tier II) 2.95 2.54

xMs me 33196 36137 Total Capital 33196 36137

xAULAU (%) 10.63 10.56 CRAR (%) 10.63 10.56

rj qc 2015 M me mrmii ulrqM 9% M AuzrMi Capital Adequacy Ratio as at March 2015 stood at
M qMos 10.56% UW | me mrmii Almi M iWi xDO 1 10.56% against regulatory requirement of 9%. Within
the capital adequacy ratio, CET 1 ratio stood at 7.37%
Almi 5.5% M AuzrMi M qMos 7.37% ij OrU I me
against requirement of 5.5% and Tier I Capital ratio
Almi 7% M AuzrMi M qMos 8.02% UW | MUoU q was at 8.02% against the requirement of 7%. Adequate
u M ai q ie sl M sL me eOl Wi oM M mx Ao headroom is available for the Bank to raise capital
p mrmi aeCz W | in order to support business growth momentum.

zrUkUM M qsr Shareholders Value

oM M oW qsr q lUiU u Wi UW W | rW mu ur uw
M `522.76 M isl q rj qc 2015 M AU AkM oRMU
`552.54 iM e mWc | lSzM qQs U uw 2014-15 M sL
105% M spz M xTUz M aD W |
There is consistent increase in the Book Value
of the Bank. It increased further to `552.54 as at March
2015 compared to `522.76 for the previous nancial.
The Board of Directors have recommended a dividend of
105% by for the year 2014-15.

25
 MUoU xu
eq
mNs uw M `420723 MUQ M isl q rj qc 2015 M
oM M Ms eqL 12.63% u Se
MUM `473840 MUQ iM mWc |
uw M SUl oM l `16242 MUQ M
E sai us eq Uz M lMs
SL | mUhqi: E saius jM
eqA M Wxx qc 2014 M
6.55% x bOMU rj qc, 2015 M
2.38% W ar |
eqA q Ea M qkrq uMx M
MUh oM M Mx eqL 9.93%
M uw SU uw u M xj rj qc
2015 M `113532 MUQ WD | Sz eqA q Mx M Wxx
25.47% UW | rj qc 2015 M oci eqL 9.53% oRMU
`93686 MUQ WL | ur uw M SUl oM l Mx eqL
eOl M sL SzpU q Aprl csL ij MlU Lxo-el-
uD, MlU eulkU, MlU xuax QTlx EimS, MlU muU
msx, MlU muse, MlU m Us mMe rel, MlU kluw
AUQ-nsYx u BlsCl oci eq Zi Zsl M xuk
ex lL EimS /xuA mU eU Sr ar |
eq aWMua M AkU M oRD el us li M Aluil
MUi WL, xp zZA l Ms 96 sZ x AkM eq Zi
M eQ, exx Ms eq Zi M xZr 5.85 MUQ iM mWc
ar |
Aaq (lus)
Ea U Se M aD u M AlxU, oM M lus Aaq
9.62% u M xj mNs uw
M `301067 MUQ M isl q
`330036 MUQ iM mWc ar |
oM M uukMi Axi xupa,
ex Mw, xq, sb u qkrq Eq,
lri, Aux, z, uWl xWi
ZSU Gh u Alr oQ MmUO ij
olrS xUcl ex up
EimSl ZQ q Ts WL W |
rj qc 2015 M oM M EkU
Zi mNs uw M 66 sZ x 72
sZ iM oR |
BUSINESS GROWTH
Deposits
Total Deposits grew by 12.63% to reach `473840 crore
as at March 2015 compared
to `420723 crore a year ago.
During the year, the Bank shed
`16242 crore worth high cost
deposits. As a result, the share
of high cost deposits came
down from 6.55% as at March
2014 to 2.38% as at March 2015.
In line with the industrys
moderate growth in deposits,
Current and Savings Bank (CASA)
deposits of the Bank increased
by 9.93% y-o-y to `113532 crore as at March 2015. The
Banks CASA deposits to domestic deposits constituted
25.47%. Savings deposits rose by 9.53% to `93686
crore as at March 2015. To increase CASA deposits, the
Bank launched nationwide campaigns and stressed
on some of the new products/services, like, Canara SB
Gen-Y, Canara Jeevandhara, Canara Savings Defence
Product, Canara Power Plus, Canara Privilege, Canara
Payroll Package Scheme and Canara Dhanvarsha RD-
Flex and online savings deposit account opening facility.
Pursuing a strategy of expanding deposits clientele, the
Bank added 96 lakh deposit accounts during the year,
taking the total number of deposit accounts to 5.85 crore.
Advances (net)
In line with the growth recorded by the industry, the
Banks advances (net) grew by 9.62% to reach `330036
crore compared to `301067 crore
a year ago. The Banks diversied
asset portfolio is spread over
various productive segments of the
economy, like, Agriculture, Micro,
Small and Medium Enterprises
(MSMEs), Exports, Retail, including
Housing, Education, Vehicle and
others, large Corporates and
Infrastructure segments.
As at March 2015, the number of
borrowal accounts increased to
over 72 lakh from 66 lakh last year.
26
oM M Ms MU
MUoU 11.37% M uw SU uw u Se MUi WL Total business of the Bank increased to `803876 crore,
mNs uw M `721790 MUQ M isl q `803876 MUQ iM with a y-o-y growth of 11.37% compared to `721790
mWc ar | crore in the previous year.
uw M SUl oM M aWM AkU 1 MUQ x erS oRMU mNs During the year, the Banks total clientele accounts
uw M 5.55 MUQ M isl q 6.57 MUQ iM e mWc | increased by over 1 crore to 6.57 crore from 5.55 crore
last year.
ZSU Gh mUcsl
Retail Lending Operations
oM M sL lkUi qZr M AlMs ZSU EkU mUcsl
In line with the thrust areas set for the year, the Banks
l uw- SU- uw qeoi uMx Se Mr |
retail lending operations recorded robust y-o-y growth.
(Uz ` MUQ q) (Amt. ` Crore)
rj qc u As at March Growth
ZSU Retail Segments
2014 2015 mq (%) 2014 2015 Quantum (%)

Aux mir 12822 16480 3658 28.53 Housing Direct 12822 16480 3658 28.53

uWl 3099 3770 671 21.65 Vehicle 3099 3770 671 21.65

Alr urM 5845 10540 4695 80.33 Other Personal 5845 10540 4695 80.33

z 4901 5636 735 15.00 Education 4901 5636 735 15.00

xMs ZSU Gh 33529 42298 8769 26.15 Total Retail Loans 33529 42298 8769 26.15

ZSU Gh xupa uw- SU- uw 26.15% M u Se MUi Outstanding retail loans portfolio grew by 26.15% y-o-y to
WL rj qc 2015 M `42298 MUQ UW | uw M SUl up `42298 crore as at March 2015. The disbursals during the
year under various retail lending schemes amounted to
ZSU EkU relA M iWi xuiUi Uz `16590 MUQ
`16590 crore. The outstanding total housing loan portfolio
UW | Aux Gh xupa `22352 MUQ iM oR e Ms ZSU rose to `22352 crore and accounted for 53% of the total
Gh xupa M 53% Wi W | oM retail lending portfolio. The Banks
M uWl Gh u Alr urM Gh Vehicle loans and other personal
loans increased by 21.65% and
q uw- SU- uw qz: 21.65% u
80.33% y-o-y respectively.
80.33% M u WD |
Education Loans
Over the years, the Bank has
z Gh
assisted lakhs of promising
oM l uw x pUi AU uSz q
students to pursue higher
E z mmi MUl M sL sZ education in India and abroad.
mipul N M xWri mWcD The Banks education loan
W| oM M z Gh xupa M portfolio increased to ` 5636

27
oRMU `5636 MUQ W ar W | rj qc 2015 M oM l 2.75
sZ N M Gh mSl Mr | z Gh mU ore AlSl M
sL MlSr rel M iWi AlSl xcsl M sL oM M
lQs oM M m q lq Mr ar W |
ZSU Gh M oRl M sL oM U MD mWs ML aL , exq
qeS EimS M xj lL ZSU Gh EimS rj, ru Aux Gh,
uU laUM M sL Aux Gh ij MwM M sL uWl Gh
AS zqs W | Sz pU q Aprl M Arel, LYxm M
xcsl, mixmkiqM SU mU Gh Emsok MUl, mii osQU
u MU QsU M xj xqfi oM M ZSU Gh xupa M
oRl q xTs x WL |
uw M SUl Sx lL ZSU Axi MlS Zs aL exx ZSU
Axi MlS M Ms xZr 61 WD e SzpU q qZr zWU q
xji W | oM l qi xeM CQr, OO qOx, qWlS LQ
qWlS AS M xj xr mcU u umhl M xqfi ml
Mr | oM l MD iMlM AkUi mWs ex ZSU EkU
relA M sL qxQ Ms xuk, Aux Gh M Sr ij
u DLqAD Uz xci Mr el ij uo AkUi sQ xel
mhs sa M |
LMMi Mw
rj qc 2015 M oM M xMs luz (lus) `145346 MUQ
UW | xupa xzki Auk mNs uw M 4.63 x 4.37 iM
bO ar | o M sL Emsok xupa xzki Auk rj
mNs uw M 3.83 x bO MU 3.58 WD | uw M sL urmUM
sp mNs uw M `664 MUQ M isl q `1148 MUQ UW |
luz mU miTs 8.00 % UW |
xUMU mipi oeU q oQ urmU M m q oM xr pa Government Securities market as a Primary Dealer (PD).
si UW W | WqSU ucloiA M Ms Uz `59400 MUQ
j, exq x pUir Ueu oM U WqSU M sL xuMi
ucloi Uz `34493 MUQ j | mkl urmU MUoU M
iWi UeMw os M xok q mirM Ak uwM M SUl 40%
xTsi Almi Wxs MUl j | E M q q xioU 2014
M xqmi mjq Ak uwM M SUl oM M xTsi Almi
42.66% UW ij qc 2015 M xqmi ir Ak uwM M SUl
mkl urmU M m q oM M xTsi Almi 58.22% UW |
rj qc 2015 M oM M xMs uSz MUoU `176274 MUQ
UW exq `89811 MUQ lri, Ari q `51827 MUQ AU
umwh M iWi `34636 MUQ UW | rj qc 2015 M oM M
oMr lri Gh `11785 MUQ UW|
crore, covering 2.75 lakh students as at March 2015. The
Bank is designated as the nodal bank for administering
subsidy under the Central Sector Scheme for Interest
Subsidy on education loans.
Several initiatives were undertaken by the Bank to expand
retail credit. These include new retail loan products, viz.,
Yuva Awas Rin, Housing Loan for Senior Citizens and
Vehicle Loan for Agriculturists along with an array of
existing products. Besides, nationwide campaigns, expos,
competitive interest rates, tie-ups with reputed Builders
and Car Dealers boosted Banks retail loan portfolio.
Ten new Retail Asset Hubs (RAHs) were opened, taking total
number of RAHs to 61 across major centres in the country.
The Bank entered into Memorandum of Understanding
(MoU) with Maruti Suzuki India, Tata Motors, Mahindra
and Mahindra for joint publicity and marketing. The Bank
also undertook several tech-based initiatives like missed
call facility for retail lending Schemes, informing due dates
and amount of EMIs for housing loans and introduction of
web-based lead generation system.
INTEGRATED TREASURY
Aggregate investments (net) of the Bank was at `145346
crore as at March 2015. Portfolio modied duration
reduced to 4.37 years from 4.63 years last year. The
modied duration of the Available for Sale (AFS) portfolio
reduced to 3.58 years from 3.83 years last year. The
trading prot for the year was `1148 crore as against `664
crore last year. The yield on investments stood at 8.00%.
The Bank continues to be an active player in the
The total amount of bids submitted for underwriting was
`59400 crore, of which, the underwriting commitment
accepted by the RBI was `34493 crore. With regard to
Treasury Bills under PD business, as against the minimum
success ratio of 40% to be achieved in each half year, the
Bank has a success ratio of 42.66% for the rst half year
ended September 2014 and 58.22% for the second half
year ended March 2015.
Foreign Business Turnover of the Bank aggregated
to `176274 crore, comprising `89811 crore under
exports, `51827 crore under imports and `34636 crore
under remittances during the year ended March 2015.
Outstanding export credit stood at `11785 crore as at
March 2015.
28
 AiUr mUcsl
oM M uSz mUcsl q sSl u sxxOU (r.M.), WaMa u
zbD (cl), qlq (oWUl), eWxoa (Sh ATM) AU lr
rM (rLxL) q LM-LM zZ ij zUeW (rLD) q milk
Mrsr ij qxM q Mqzrs oM BT CQr (Ls.Ls.x.)
M lq x pUir xOO oM M xj xr Eq M xj 7 Sz
M muUi MUi W |
uw M SUl xqxi uSz zZA l xuki MrlwmSl Se
Mr | qc 2015 M xi uSz zZA M Ms MUoU
`51,831 MUQ UW | oM M Ms MUoU q uSz zZA M
Wxx mNs uw M 5.69 % x oRMU 6.45% UW |
oM l uw M SUl 19.05.2014 M eWxoa (Sh ATM)
q ij lr rM (r Lx L) q SlM 09.06.2014 zZL Zs |
oM M ielr ij SoD AiUr ur MlS (QADLTx)
M ulrqM x qz: SU-D-xsq ij QADLTx q LM
Alwa ij LM zZ xjmi MUl M Alqi mmi WD W |
oM M AiUr mUcsl M 86 Sz q Ts WL 392 xmMMi
oM M uxii i M AcN xqjl qs UW W | Alux pUir
M umwh M clsMi MUl Wi 35 ulqr mil ij 13
uSz oM M xj mr AWUh uruxj M aD W | oM xunO
LqO 103 qkrq x umwh xuk (ZSU / uherM) mSl MUl
M sL 14 uSz oM M uxO Zi M p UZ UZu MU UW
W | oM U qz: xMQqO ij mokl MUU M iWi S ulqr
mil ex, As UeM AiUr ulqr Mml, SoD AU
DxOl LYxce LxOoszqO, MiU M mokl Mr MU UW W |
oM l `UqO ql' lqM uo AkUi iuUi umwh EimS M
32 ulqr mil ij sSl, sxxOU, zbD AU Wa Ma M
4 xqSmUr zZA q Mrlui Mr W | oM l qxx rLD
LYxce, Ao ko M xWra x nszUqO lqM LM iiMs
Gh xuk Mrlui M W | oM l qxx As UeM AiUr
ulqr Mml, SoD, qxx DxOl LYxce LxOoszqO, MiU
ij qxx As AlxU LYxce LsLsx, rLD M xj qsMU
CxOlO UqOql lqM LM iuUi Gh xuk Mrlui M W |
rW pUi q MlU oM M spj M iiMs u ok UWi umwh
xuk mSl MUi W |
INTERNATIONAL OPERATIONS
The Banks overseas operations covered 8 countries, with
one branch each at London and Leicester (UK), Hong Kong
Shanghai (China), Manama (Bahrain), Johannesburg
(South Africa) and New York (USA); a Representative
Ofce at Sharjah (UAE) and a Joint Venture Bank, viz.,
Commercial Indo Bank LLC in Moscow (Russia), in
association with State Bank of India.
All overseas branches recorded improved performance
during the year. Total business of seven overseas branches
aggregated to `51831 crore as at March 2015. Overseas
business constituted 6.45% of the Banks total business,
up from 5.69% last year.
The Bank opened two overseas branches, at Johannesburg
(South Africa) on 19.05.2014 and New York (USA) on
09.06.2014, during the year.
The Bank has received approval from the host country
regulators of Tanzania and Dubai International Financial
Centre (DIFC) for establishing a subsidiary and a branch
respectively at Dar-Es-Salaam and DIFC.
The Banks international operations are well supported
by a wide network of 392 Correspondent Banks, spread
across 86 countries. Rupee Drawing Arrangements with
35 Exchange Houses and 13 overseas banks are also
operational for channelizing the remittances of Non
Resident Indians (NRIs). The Bank is also maintaining
Vostro Accounts of 14 overseas banks for facilitating
remittances (retail/commercial) through Swift MT103
mode. The Bank is managing two Exchange Houses viz.,
Al Razouki International Exchange Company, Dubai and
Eastern Exchange Est., Qatar under Secondment and
Management Agreement respectively.
The Bank has implemented Remit Money, a Web Based
Speed Remittance product by extending it to 32 Exchange
Houses and its 4 overseas branches in London, Leicester,
Shanghai and Hong-Kong. The Bank has implemented
Flashremit, an instant credit facility in association
with M/s. UAE Exchange, Abu Dhabi, UAE. The Bank also
implemented another product Instant Remitmoney an
instant credit facility with M/s. Al Razouki International
Exchange Company, Dubai, M/s. Eastern Exchange
Est., Qatar and M/s. Al Ansari Exchange LLC, UAE.
This facilitates instant and hassle free remittances to
beneciaries of Canara Bank in India.
29
 Alr xuL
oM M urmU oMa mpa l UwOr Ueqa mkMUh
(LlLcLAD) ij aqh uiMUh MmUzl sqOQ (AUDx)
M mCuO msxqO MmOs al oQ laq M Mr M luWl
Mr | uw M SUl UwOr Ueqa mkMUh (LlLcLAD) ij
aqh uiMUh MmUzl sqOQ (AUDx) M mCuO msxqO
MmOs al oQ x xaWi Uz `81.64 MUQ UW | uw M
SUl mpa U DYuO M Eci qsrMl'' M 6 uzwMi
Mr M luWl p Mr ar |
3 le msxqO laq ij LM xkMU laq M sL oM l
xaWMi oMU M m q Mr Mr exM Ms Uz `1185.46
MUQ W | lq zZA U Au Uz U xqji AuSl
(LLxoL) M iWi lai Mr ar xuelM u Gh laq M
Ms xZr 104 UW AU osM M WD Uz `22.86 MUQ UW |
uw M SUl xqWl xqW l mUrelA M luW Mr exM
mUrel sai `7502 MUQ UW AU CxM Gh AMU `3536
MUQ UW | xqW l xqWl mUcsl x `8.97 MUQ M zsM-
AkUi Ar M Ael Mr | uzw AjM , Axmis, mul
Fe, xU Fe, Cxmi, Acs xm Usu ij xcUh CirS
ex upll xua q mUrelA M sL lkr M uruxj
M aD |
oM M oMLzrUlx' Aa M iWi Sl eul ij aU - eul
oq xua q oM M aP-eQ uruxj W| oM l Aml xrYi
Eq rl MlU LcLxox Aox eul oq Mml sqOQ
x Mqzl M m q `26.56 MUQ M Ar Ael Mr W |
qrcAs TQ MUoU M iWi, oM l Aml xrYi Eq rl
MlU UoM Axi mokl Mml sqOQ x `10.90 MUQ M
Mqzl Aei Mr W | qxx rlCOQ CQr oq Mml
sqOQ (rADADxLs) M xj Aml aPeQ uruxj M
eUL aU eul (xqlr) oq MUoU M iWi oM l Mqzl M
m q `15.40 MUQ M Ar Ael Mr W | Aml xuxjr oq
EimS M umhl M sL oM l qxx Ams qrlM xuxjr
oq Mml sqOQ M xj MmUO Lex MUU Mr exM
mUhqxum `5.50 MUQ M Mqzl Aei WA | mU pUi q
Ts Aml zZA M eUL lri lir M umhl M sL
qxx LYxmO QO aUO MmUzl AT CQr M xj oM
l MmUO Lelx M MUU p Mr W |
MQ MUoU M iWi, QO u QoO-xW-LOLq MQ AkU
oRl M sL oM l MD mWs ML | rj qc 2015 M oM M
Ms QoO MQ AkU oRMU 2.55 MUQ W ar | MQ MUoU
M iWi uw M SUl sp `40.92 MUQ UW |
OTHER SERVICES
The Banks Merchant Banking Division handled Private
Placement Capital Gain Bond Issues of National
Highways Authority of India (NHAI) and Rural
Electrication Corporation Ltd (REC) as Arrangers. The
amount mobilized in respect of Capital Gain Bonds Issue
of NHAI and REC during the year was `81.64 crore. Six
specialized assignments of Fair Valuation of Equity were
also handled by the Division during the year.
The Bank acted as Collecting Banker for 3 Private
Placement Issues and one Rights Issue, involving an
amount of `1185.46 crore. The number of Public and
Debt Issues handled under Application Supported by
Blocked Amount (ASBA) by designated branches was 104
and the amount blocked was `22.86 crore.
The Syndication Group handled projects, involving project
cost of `7502 crore during the year, with a total debt size
of `3536 crore. The Group generated fee-based income
of `8.97 crore from the syndication operations. The
funds were arranged for projects in various segments,
like, SEZ, Hospital, Wind Energy, Solar Energy, Steel, Real
Estate, Railway and Transmission.
The Bank has tie-up arrangements in both life and
non-life insurance segments under its Bancassurance
arm. The Bank earned a commission income of `26.56
crore from its joint venture, viz., Canara HSBC OBC Life
Insurance Company Ltd. Under the Mutual Fund business,
the Bank earned a commission of `10.90 crore from its
joint venture, viz., Canara Robeco Asset Management
Company Ltd. A commission income of `15.40 crore was
earned under Non-Life (General) Insurance business from
its tie-up arrangement with M/s United India Insurance
Company Ltd (UIICL). A commission income of `5.50
crore was earned by the Bank from its Corporate Agency
Agreement with M/s Apollo Munich Health Insurance
Co. Ltd for marketing their health insurance products.
The Bank also has Corporate Agency Agreement with
M/s Export Credit Guarantee Corporation of India
for marketing export policies through its branches
across India.
Under Card Business, the Bank took several initiatives to
expand credit and debit-cum-ATM card base. The total
debit card base of the Bank increased to 2.55 crore as at
March 2015. Prot under card business during the year
was at `40.92 crore.
30
oM, SzpU q 38 xjl q Ts 46 lmaU xu MlS M
eUL `lmaU xuL' mSl MUi W | Cl MlS M qkrq x
oM Aml Sss Alwa qxx MlU oM xYrUOe sqOQ,
qoD M eUL Q m aWM M Bl sCl OQa xuk mSl
MU UW W | xp Qm xu MlS M oas xji MlSr Qm
x lOuM M qkrq x eQ ar W |
oM M lwmSM,
lwmSM, lrx u MUkl xuL' CMD U QocU
/ mipi lrxkUi, uxrilq u lwmSMMi, lrxkUi,
urM MU xWri ij qZiUlq ex xuL S
ei W | uw M SUl oM l E xuA x `1.75 MUQ M
zsM Ar Aei Mr ij MlSr qsr uki MU (xluO) x
`74.26 MUQ Aei Mr |
oM U upll xUMU MUoU EimS elq mir u Amir
MU uxs, MlS xUMU u Uer xUMU M mzl M pail,
mxOs slSl u Uer MUMU M UeMwr slSl, xuelM
puwr lk rel u uUwP laUM oci rel u pUir Ueu
oM M qSxTi xco oQ M laq zqs W | uw M SUl
Cl EimS x Mx q xkU Se Wi WL `100.94 MUQ M
zsM Ar Aei WA |
oM U MD Bl sCl pail xuL, ex qWUwO, iqs lQ,
MlOM, Ak mSz, oWU, SSU u laU Wus, AQz, meo,
mq oas u Sss q ur MU / uher MU M D- pail,
qWUwO q ucAs OzU mMe, iqs lQ q mUuWl upa M
MU M D-pail, iqs lQ q cllD ij MlOM q oas
q MmUzl M sL xm MU M uxs, xuelM puwr lk
Zi M BlsCl Zsl, fUZQ, EiiU mSz, iqs lQ u
MlOM q D-xOqm mUrel, AS mSl M ei W|
oM M qlu xxkl uMx qsr (LqLcAUQ), xxMi
qsr, ru qqs u Zs qsr, pUir mUiiu xuh u
pUir uzwO mWcl mkMUh (rADQLAD), lD Sss M
AkMUM oMU M m q mkMi Mr ar W | oM l
xuusol rel M iWi AxaPi M sL UwOr mzl
mhs M Mrlui Mr AU uai S uw q AkU xQa q
xuelM M oM q WqU oM mjq xjl mU W |
oM M Mw lulqwh MlS (LADx) Aa l Ms 80 Mr M
luWl Mr | Cl 80 Mr q 66 qsrMl, 9 mlUh ij 5
uruWri Akrrl zqs j | Cl Mr M Ms mUurr, qrS
Gh bOM M iU mU `316.25 MUQ UW | uw M SUl Cxx oM
l `2.66 MUQ M zsM Ar Aei Mr |
The Bank offers its Depository Services from 46 DP
Service Centres, spread across 38 locations in the country.
Through these Centres, the Bank is extending Online
Trading Facility to DP clients from its own broking
subsidiary M/s Canara Bank Securities Ltd., Mumbai. All
DP Service Centers have been networked with the Central
DP at Bengaluru.
Executor, Trustee and Taxation Services outt of the Bank
provides services, like, Debenture/Security Trusteeship,
Will and Executorship, Trusteeship, Personal Tax
Assistance and Power of Attorney Services. During the
year, the Bank earned a fee income of `1.75 crore from
the above services and `74.26 crore from Central Value
Added Taxes (CENVAT) credit.
The Bank handles various Government Business
products comprising Direct and Indirect Tax collections,
payment of pensions of Central Government and State
Government, Handling of Postal Transactions and State
Government Treasury Transactions, Public Provident
Fund Scheme and Senior Citizens Saving Scheme and
issue of Ination Indexed Bonds of RBI. These products
contributed to improvement of CASA and also earned a
fee income of `100.94 crore during the year.
The Bank provides several online payment services, viz.,
E-payment of Sales Tax/ Commercial Tax in Maharashtra,
Tamil Nadu, Karnataka, Andhra Pradesh, Bihar, Dadra &
Nagar Haveli, Odisha, Punjab, West Bengal and Delhi,
Virtual Treasury Package in Maharashtra, E-payment of
Taxes to Transport Department in Tamil Nadu, Collection
of Property Tax for the Corporation of Chennai in Tamil
Nadu and Bengaluru in Karnataka, Online opening of PPF
Accounts and E- Stamping project in Jharkhand, Uttar
Pradesh, Tamil Nadu and Karnataka.
The Bank has been authorized as the accredited
banker for Ministry of Human Resources Development
(MHRD), Ministry of Culture, Ministry of Youth Affairs
& Sports, Archealogical Survey of India and Unique
Identication Authority of India (UIDAI), New Delhi. The
Bank implemented the National Pension System for
Unorganised Sectors under Swavalamban Scheme and
occupied number 1 position among public sector banks
for the last two years.
Agricultural Innovation Centre (AIC) outt of the Bank
handled 80 assignments. These 80 assignments consisted
of 66 appraisals, 9 vetting and 5 viability studies. The
total outlay of the assignments worked out to a term
loan component of `316.25 crore. The Bank earned a fee
income of `2.66 crore during the year.
31
 Axi ahuii
` 5993 MUQ M Ao iM M
xukM lMS uxs
Ea xiU mU Axi ahuii q eU Sou M oueS AleM
Axir M lri MUl q oM M lwmSl AcN UW AU
xukM lMS uxs M | xMs AleM Axi `13040 MUQ
UW ij xMs AleM Almi (rj qc 2014) M 2.49% x
oRMU 3.89% UW | `8740 MUQ M lus LlmL M xj lus
LlmL Almi mNs uw M 1.98% x oRMU 2.65% WA |
oM l uw 2014-15 M SUl lMS uxs q mNs uw M
`5494 MUQ M isl q `5993 MUQ M u Se M |
iMlM iU mU o Zi Qs ar Zi x `1351 MUQ Aei
WA AU rW oMr Uz M 18.29% UW exq Wl Axir
x uxs aD `666 MUQ p zqs W | uw M SUl oM l 66
Ll m L Zi M Axi mlxUcl Mmlr (AxO UMxOYzl
Mmlr) M `906 MUQ M Zi M o M | uw M SUl
Ms `2031 MUQ M xiUrl Mr ar |
uw M SUl, xUTx Aklrq M iWi Ms `1379 MUQ M
uxs M ar | oM l 20,387 uxs oPM M Arel Mr
exM mUhqxum `843 MUQ Uz uxs M ar | uw M
SUl 62,301 qqs sM ASsi M pe ar, elq x 28,029
qqs M lmOl Mr ar, exM Ms Uz `323 MUQ UW |
oM l Zi M LlmL q Txsl x UMl M sL AU AiSr
Gh Zi x uxs q oRU sl M sL MD mWs M | Clq,
xqr mU Souaxi Zi M mlxUcl/mllkUh MUl Wi Zi
M mWcl MUl, LMqzi lmOl (AOLx) M sL zZ xiU
mU MlASsi AU Acs xiU mU qa ASsi M Arel,
es xiU mU sMASsi M Arel, Ms MlS M eUL Gh
Zi q AiSr Uz M lrqi Aluil AU ApaWi Axir
M ur M sL D-lsq, CUSil cMMiA M ZsT xZi
uxs Emr MUl, AS zqs W | oM l ` 10 sZ iM M
NO LlmL M lmOl M sL LM uzw rel p mri M
exq z Gh, OYOU Gh AU `1 MUQ x Mq M LqLxLqD
Gh mU uzw krl MlSi Mr ar |
rj qc 2015 M oMr mlxUci Axi xupa (mlxUci
LlmL Zi xWi) `28371 MUQ UW e xMs Aaq M
8.47% W |
ASSET QUALITY
All Time High Cash Recovery
at `5993 crore
The Bank performed relatively well in Non-Performing
Assets (NPA) management and made record cash
recoveries, despite continued stress at the industry level.
With a gross NPA level of `13040 crore, the gross NPA
ratio has increased to 3.89% from 2.49% (as at March
2014). With a Net NPA of `8740 crore, the net NPA ratio
increased to 2.65% from 1.98% a year ago.
Cash Recovery during 2014-15 aggregated to a record
`5993 crore compared to `5494 crore last year. Recovery
from technically written off accounts was at `1351
crore and accounted for 18.29% to outstanding amount,
including recovery from loss assets at `666 crore. During
the year, the Bank also sold 66 NPA accounts to Asset
Reconstruction Companies (ARCs) for consideration of
`906 crore. An amount of `2031 crore was upgraded
during the year.
During the year, recovery amounting to `1379 crore
was made under SARFAESI Act. The Bank conducted
20,387 recovery meets, which resulted in a recovery
of `843 crore. 62,301 cases were referred to Lokadalat,
out of which, 28,029 cases were settled, covering an
amount of `323 crore. The Bank took several initiatives
to contain slippages and speed up recovery from overdue
loan accounts. These include, identication of stressed
accounts for restructuring/rephasing in time, conduct
of Canadalats at branch level and mega adalats at Circle
level for one time settlements (OTS), Lokadalats at district
levels and regular follow-up of overdues in loan accounts
through Call Centre and conducting e-auctions for sale
of seized assets, initiation of stringent recovery measures
against Wilful Defaulters. The Bank also formulated a
Special Scheme for settlement of small value NPAs upto
`10 lakh, with a thrust on education loans, tractor loans
and MSMEs below `1 crore.
As at March 2015, the outstanding restructured assets
portfolio (including restructured NPA accounts) of the
Bank stood at `28371 crore, accounting for 8.47% of
gross advances.
32
eZq mokl
oxs III me mrmii Rc
AU pu Uhlir
mkl Mrsr q oM q upll eZq mokl mWs M xqa
Mrlurl M sL xui m x lQs MlS M m q eZq
mokl upa Mr MU UW W | xp 47 Acs Mrsr q
eZq mokl Alpa MrUi W e eZq mokl upa M W
uxiUi Aa W |
oM q, pasM xiU mU AU xmh eZq mUZ x muUi
eZq mokl lir W | Clq, Gh eZq mokl, mUcsl
eZq mokl, oeU eZq mokl, Axi Sri mokl AU
xqW eZq mokl zqs W |
oM q, oxs II AU oxs III M xip 2 M iWi AiUM me
mrmii qsrMl mr (ADxLLm) Emsok W | ADxLLm
mr q oM M bUs AU uSz mUcsl, Alwar, xrYi
Eq, mrei CMCr AU xWra xxj muUi W | ADxLLm
msZ q Sou mUh xok ch zqs W | oQ M eZq
mokl xqi AU lSzM qQs U ADxLLm msZ M
xq AU AlqSl M ei W |
oM q me Arel xqi MrUi W AU xqi, oM M me
AmA M isl q AU MUoU Uhlir M isl q xq
AjM li M xxmwO ch mSl MUi W | xqi U, eZq
pUi Axi M isl q me M EmrYi xiU M Almi olr
UZl M oi xli M ei W AU me eOl M sL upll
uMsm M qsrMl Mr ei W |
oxs II M iWi Elli SMh Amll
Gh, oeU AU mUcsl eZq M xok q me M mUMsl
Wi oxs II M iWi Elli SMh Rc M AU oRl M Aml
mrx q LMMi eZq mokl xqkl M qkrq x Eq M
rlurl M Ezr x oM l xur ij xqW CMCr M sL
mUqzSi M lr M W iM Ami eZq mokl Rc M
lqh Mr e xM |
Eq M Mrlurl M mum M m q urmM LMMi eZq
mokl xUcl - oM l eZq xqkl mmi Mr W exx M
uW Elli qml SMh M AmA M mi MU xM |
Gh eZq M sL me pU M mUMsl Wi AiUM UOa
AkUi SMh (ADAUo) Amll M sL, oeU eZq
Risk Management
BASEL III Capital Adequacy Framework and
Future Strategies
An independent Risk Management Wing at the Head
Ofce is functioning as a nodal centre for overall
implementation of various risk management initiatives
across the Bank. Risk Management Sections are
functioning at all the 47 Circle Ofces of the Bank as an
extended arm of the Risk Management Wing.
The Bank has in place risk management policies across
geographies and across all risks encompassing the entire
gamut of risk prole. These include policies on Credit Risk
Management, Operational Risk Management, Market
Risk Management, Asset Liability Management and
Group Risk Management.
The Bank has in place an Internal Capital Adequacy
Assessment Process (ICAAP) under Pillar 2 of Basel II and
Basel III norms. The ICAAP exercise covers the domestic
and overseas operations of the Bank, the Subsidiaries,
Joint Ventures, Sponsored Entities and Associates.
Linkages to Stress Test Scenarios are also documented in
ICAAP. The ICAAP document is reviewed and approved by
the Risk Management Committee of the Board and the
Board of Directors.
A Capital Planning Committee is in place. The Committee
articulates macroeconomic scenarios vis--vis capital
requirements of the Bank, in tune with business
strategies. The Committee ensures maintenance of
appropriate level of Capital to Risk Weighted Assets Ratio
(CRAR) and evaluates various options for raising the
capital.
Adoption of Advanced Approaches under Basel II
In an endeavour to move towards Advanced Approaches
under Basel II for computation of capital for Credit, Market
and Operational Risk, the Bank has engaged the services
of a Consultant for implementation of Enterprise-wide
Integrated Risk Management solution for itself and the
group entities, so as to build requisite risk management
framework.
As a pre-requisite for the implementation of Enterprise-
wide Integrated Risk Management architecture, the Bank
has procured a Risk Solution that would enable it to meet
requirements of Advanced Measurement Approaches.
The Bank has submitted Letters of Intent to RBI for
adoption of Internal Rating Based (IRB) Approach for
33
M sL me pU M mUMsl Wi AiUM qQs SMh AU
mUcsl xok eZq M sL me pU M mUMsl Wi Elli
qml SMh Amll M sL oM l pUir Ueu oM M Azr
m mxii Mr W |
oxs III M sL irU
oxs III me ulrqus xok Aiq SzlSz 1 Ams,
2013 x mpu ol | pUir Ueu oM M SzlSz M AlxU,
oxs III me ulrqus M mh rlurl M mUui Auk
M 31.03.2019 iM oR Sr ar W | qc 2019 M Ai iM
pUi q xji oM M 5.50% M lrliq xql DYuO OrU
1 (xDO 1) me, 7.00% M OrU 1 me, 9% M Ms me
AU 2.50% M me mUUh oTU (xxo) M olr UZl M
AuzrMi W | oM M eZq AkUi me AmA M
sWe x uzuxlr mimUM Emr M m q mUss Ul M SUl
1 eluU 2013 x 1 eluU 2017 iM 4.5% M lrliq OrU 1
suUe Almi p olr UZl W |
oM mrmi m x meMi UWl M sL mrx MU UW W ij
xqh SU M SUl pUir Ueu oM U lkUi me
AuzrMiA M mi M sL rel irU Mr W | pUi xUMU
x ml:meMUh xqjl mmi MUl xWi oeU x me eOl M
sL oM M mx mrmi aeCz W | Aa oRi WL, oM M me
xok Am M mi - lr DYuO me sal, sp oUMUU
UZl, MUoU M CwOiq xiU iM s el AU me xok rel
u mokl M eUL M e xMi W |
Gh eZq mokl
Gh eZq M mok MUl M sL oM M mx upll eZq
mokl mhsr W AU urmM lir u Mrukr mcsi W |
Gh eZq mokl li q lqlsZi M xok q xmwO SzlSz
zqs W:
qsrMl u lhr sl M sL Gh qlSQ
EkUMiA M AiUM eZq UOa M AkU mU upll
mkMUr / Gh AlqSl xqir M qeU AkMU M
mirrel |
eZq UOa M AkU mU zAi AuUk
eZq AkUi Mqi lkUh
Gh xq i
LM uzw eZq laUl li lkUi M ar W | Gh laUl
li q EssZi Gh xq i q xq u laUl xok mh
elMU muUi M ar W exx M Gh mxiM M saiU
m x qsrMl Mr e xM | CxM Ezr, Gh mzxl u
laUl upa U ukui m x lkUi Gh sZmU / eU
mu sZmU xWi Gh mzxl q ahuiqM xkU sl W |
calculation of capital charge for Credit Risk, Internal
Models Approach for calculation of capital charge for
Market Risk and Advanced Measurement Approach for
calculation of capital charge for Operational Risk.
Preparedness for Basel III
The nal guidelines on Basel III Capital Regulations
became effective from 1st April, 2013. As per RBI guidelines,
the transitional period for full implementation of Basel
III Capital regulations is extended up to 31.03.2019. The
banks in India need to maintain a minimum Common
Equity Tier 1 (CET1) capital of 5.50%, Tier 1 capital of
7.00%, Total Capital of 9% and Capital Conservation
Buffer (CCB) of 2.50% at the end of March 2019. The
banks also have to maintain a minimum Tier 1 Leverage
Ratio of 4.5% during parallel run from 1st January, 2013 to
1st January, 2017, as a credible supplementary measure to
the risk based capital requirements.
The Bank endeavours to remain adequately capitalized
and has drawn plans to meet the capital requirements
stipulated by RBI in transitory phase. The Bank has
adequate headroom to raise capital from the market,
including recapitalization support from the Government
of India. Moving ahead, the Banks capital requirement
shall be met by injecting fresh equity capital, retention
of prot, optimization of business levers and proactive
capital planning and management.
Credit Risk Management
The Bank has various risk management systems for
managing Credit Risk with comprehensive policies and
procedures in place.
The Credit Risk Management Policy articulates, among
others, the guidelines on:
Lending norms for appraisal and decision making
Delegation of credit sanctioning powers to various
authorities/Credit Approval Committees based on
internal risk rating of the borrowers
Entry barriers based on risk rating
Risk Based Pricing
Loan Review Mechanism
An exclusive Credit Monitoring Policy has been put in
place. The loan review mechanism articulated in the Credit
Monitoring Policy covers the entire gamut of review and
monitoring as an effective tool for evaluating the loan
book continuously. It also intends to bring out qualitative
improvements in credit administration, including Credit
Audit/ Pre-release Audit, duly administered by the Credit
Administration and Monitoring Wing.
34
oeU eZq mokl
oM M oeU eZq Rc M Ezr, eZq LYxmeU u islr
lrliq qlShQ M isl q oeU eZq LYxmeU M mUqh
M xok q lur mSl MU AkMiq misp mmi MUl W|
LMMi qkr Mrsr AU eZq mokl upa M LMMi Mw
M qkr Mrsr oeU eZq LYxmeU mU laUl UZi W|
LYxmeU sqO, ex xOm sx sqO Bl OQa oM, up
qSA M xji M oU q COQ u AuUlCO xq, QsU-uU
xq, xMs AiU xq, qS oeU mUcsl M xqL, luz
xupa M sL xzki Auk xq AU eZq qsr xq,
eZq luUM / EimUM M m q Mr MUl Wi lkUi Mr
ar W| Alr EimUM M xj SlM AkU mU Cl xqA mU
laUl UZ ei W| oeU eZq M mpu mokl Wi LM
xSR UmOa mhs lkUi M ar W|
mUcsl eZq mokl
oM q mUcsl eZq mokl M Rc, liM qsr, xaPliqM
xxMi AU xz mUcsl Mrukr mU AkUi W exq
MmUO qsr, AiUM lrh xxMi, mpu AiUM UmOa
AU AMxqM Arel xqWi W|
oM l mUcsl eZq mokl Wi lir M Amlr W exq,
mUcsl eZq mokl Rc, BEOxxa aiukr AU xii
uruxr rel ex up mWs zqs W | uiql q oM qs
xMiM SMh (oADL) x oxs III Rc M Elli SMh
M Amll M mr q W| oM l Elli SMh M Mrlurl M
sr ij bOl mokl, qZr eZq xMiM (MAUAD), eZq
lrh u xu qsrMl (AUxLxL), mUcsl eZq M me
pU M mUMsl M sL mUSzr uzswh lkUi MUl Wi mr
/ aiukr mUp MU S W|
Axi Sri mokl
Axi Sri mokl mhs (LLsLq) cslk AU ore SU
eZq xok qqs M xsfi W iM Mqi-sai AiU,
spmSi Lu Sbuk uruWri M oc oWiU xisl olr
UZ e xM| oM M lSzM qQs l Axi Sri mokl xok
Mr xWi Axi u Sri M up bOM M sr ore SU
M lkUh, ElM xUcl, mUmYui u Auk- lkUh M Mr
M SZUZ MUl Wi Axi Sri mokl xqi (LLsxA) M
aPl Mr W|
oM l SlM 01.01.2015 x iUsi muUh Almi (LsxAU)
M xok q pUir Ueu oM M SzlSz M Mrlui Mr
W | rj 31.03.2015 M oM M LsxAU lrliq ulrqM
lkUi 60% x AkM W |
Market Risk Management
The Market Risk framework of the Bank aims at
maximizing the return by providing inputs regarding
the extent of market risk exposures, the performance
of portfolios vis-a-vis the risk exposure and comparable
benchmarks.
Integrated Mid-Ofce and Mid Ofce of Integrated
Treasury of Risk Management Wing is monitoring Market
Risk exposures. Exposure limits, such as, Stop Loss Limits
on Trading Book, intraday and overnight limit for various
Currency Positions, Dealer-wise limits, Aggregate Gap
Limit, Limits on Money Market Operations, Modied
Duration Limits for investment portfolio and VaR limits
are xed to act as risk mitigants/triggers. These limits,
along with other triggers, are monitored on a daily
basis. A robust reporting system is in place for effective
management of Market Risk.
Operational Risk Management
Operational Risk Management framework in the Bank
is based on ethics, organization culture and strong
operating procedures, involving corporate values,
internal control culture, effective internal reporting and
contingency planning.
The Bank has adopted polices for management of
Operational Risk, which covers various aspects, such as,
Operational Risk Management Structure, Outsourcing
Activities and Business Continuity Plan. At present,
the Bank is in the process of migration to Advanced
Approaches of Basel III framework from Basic Indicator
Approach (BIA). The Bank has initiated process/activities
for implementation of Advanced Approaches and to put
in place Incident Management, Key Risk Indicators (KRI),
Risk Control & Self Assessment (RCSA), Scenario Analysis
to compute capital charge for Operational Risk.
Asset Liability Management
Asset Liability Management (ALM) system addresses
issues related to liquidity and interest rate risks in order
to maintain a good balance among spreads, protability
and long-term viability. The Board of Directors of the
Bank has constituted an Asset Liability Management
Committee (ALCO) to oversee ALM functions, including
xation of interest rates for various components of assets
and liabilities, its composition, maturity and duration.
The Bank has implemented the RBI guidelines with
respect to Liquidity Coverage Ratio (LCR) with effect from
01.01.2015. As at 31.03.2015, LCR of the Bank is above
the stipulated regulatory minimum of 60%.
35
xqW eZq
oM M upll Alwar, xr Eq u mrei CMCr W, e
oWArq aiukr q sa WL W | oM M Cl xqWM DMCr
q mrmi WxxSU Wl M MUh oM l xqW eZq mokl
li M Amlr W iM AiU xqW xuruWU M eZq M
mWcl MUi WL ElM Eci mokl Mr e xM AU xqWM
CMCr M oc Wi M OMUu x oci WL / Mq MUi WL,
MmUO Apzxl M xiU M EPr e xM AU urmU qlShQ
M xok q Cl CMCr M oc xui xuruWU M xi''
xli Mr e xM |
Ur mjqMiL
mjqMi Aaq
oM, Mw, xq Lu sb Eq, z, Aux, xq xZ, MqeU
ua AU ulS AsmxZrM xqSr xWi Ur mjqMiA
M up sr M mmi M qWiu Si A UW W|
rj qc 2015 M oM M mjqMi Aaq 20.94% M
uwluw u Se MUi WL `118234 MUQ mr mWc ar AU
40% M Alur qlSQ M isl q xqrei lus oM Gh
(L Ll o x) M mi 40.89% Wxs Mr ar |
mjqMi Aaq qc iM
2014
Ms mjqMi 97762 118234 20472
Mw 48797 58868
mir Mw 44268 51437
Mw si xZ xuiUh M iWi oM M Aaq 20.64% oRMU
`58868 MUQ iM mWc ar W exq 53 sZ x AkM
Mxl muUi WL W| Mw Gh i iWi oM l 18% Alur
qlSQ M isl q 20.36% mmi Mr W| uw 2014-15 M SUl
oM M Mw M xZ xuiUh 9% M uwluw u M xj
`45232 MUQ W ar W|
mir Mw M iWi oM M Aaq 16.19% M uwluw u M
xj ` 51437 MUQ W ar W| oM l LLlox M iWi 13.5%
M Alur qlSQ M isl q 17.79% Se Mr W| oM l
Mxl / aU-Mxl M Txs Gh / xqlr QO MQ
(exx) mSl MUl Wi uzw Aprl csr|
Group Risk
The Bank has various Subsidiaries, Joint Ventures and
Sponsored Entities, which are engaged in diversied
activities. As the Bank has considerable stake in these
Group Entities, it has adopted a Group Risk Management
Policy to identify and manage risk in intra Group
transactions and exposures to raise the standard of
Corporate Governance by reducing /avoiding conicts of
interest between the Group Entities and also to ensure
Arms Length Principle among Entities, in regard to
business parameters.
NATIONAL PRIORITIES
Priority Sector Advances
The Bank continues to accord importance to varied
goals under national priorities, including agriculture,
micro and small enterprises, education, housing, micro-
credit, credit to weaker sections and specied minority
communities.
Priority Sector Advances of the Bank as at March 2015
reached `118234 crore, recording a y-o-y growth of
20.94% and achieved 40.89% to Adjusted Net Bank Credit
(ANBC) against 40% mandated norm.
(Uz ` MUQ q) (Amt. ` Crore)
u Priority Sector As at March Growth
2015 Uz % Advances 2014 2015 Amount %
20.94 Total Priority Sector 97762 118234 20472 20.94
10071 20.64 Agriculture 48797 58868 10071 20.64
7169 16.19 Direct Agriculture 44268 51437 7169 16.19
With a focus on credit delivery to Agriculture,
the Banks advances under agriculture portfolio
increased by 20.64% to `58868 crore, covering
over 53 lakh farmers. Under agriculture lending,
the Bank achieved 20.36% to ANBC against 18%
mandated norm. During 2014-15, the Banks
agriculture credit disbursal increased to `45232
crore, with a growth of 9% over the previous year.
Advances under Direct Agriculture increased by
16.19% to `51437 crore and achieved 17.79% to
ANBC against 13.5% mandated norm. The Bank
undertook special campaigns for extending Crop
Loans/General Credit Cards (GCCs) facility to all
farmers/non-farmers.
36
uw M SUl oM l `8653 MUQ M 5.85 sZ Mxl QO During the year, the Bank issued 5.85 lakh Kisan
MQ (Mxx) eU Mr W| rj qc 2015 iM Mxl QO Credit Cards (KCCs), amounting to `8653 crore.
The credit outstanding under KCCs was at `10330
MQ M iWi oM M oMr Gh Uz `10330 MUQ j| oM l
crore as at March 2015. 5.39 lakh Kisan RuPay
5.85 sZ m Zi q x 5.39 sZ M Mxl m MQ eU Cards were issued against eligible accounts of 5.85
MUM 92% M Emsok Wxs M W| lakh, with an achievement of 92%.
uw M SUl oM l Alr mjqMi , ex Uer U mrei During the year, the Bank also extended nancial
Al ei / Al el ei xaPl, Aux AU xq xZ M assistance to other priority sectors, such as, State
iWi AjM xWri mSl M W| sponsored organization for SCs/STs, housing and
micro credit.
oM l up xUMU mrei relA, ex mklq
The Bank actively participated in various
UeaU rel (mLqAUuD), mklq UeaU xel Mrq
Government Sponsored Schemes, such as, Prime
(mLqDem), xuheri aq xuUeaU rel (LxeLxuD), Ministers Employment Generation Programme
xuheri zWU UeaU rel (LxeLxAUuD), qs Rl us (PMEGP), National Rural Livelyhood Mission (NRLM)
M q Lu mlux rel (LxLsAULx), ij upSM ore SU and Differential Rate of Interest (DRI) Scheme.
(QAUAD) rel q xr m x pa sr| As at March 2015, the outstanding advances under
the following Government Schemes aggregated to
rj qc 2015 iM lqlsZi xUMU relA M iWi MUo `960 crore, involving around 2.34 lakh beneciaries.
2.34 sZ spjr mU Ms oMr Aaq `960
960 MUQ UW |
up xUMU mrei relA M iWi Mr lwmSl Performance under various Government Sponsored
Schemes
(` MUQ q) (Amt. ` Crore)
qc 2015 MARCH 2015
rel M lq Scheme
Zi Uz Accounts Amount
mklq UeaU rel Prime Minister Rojgar Yojana
11258 143 11258 143
(mLqAUuD) (PMRY)
xuheri zWU UeaU rel Swarna Jayanti Shahari Rozgar
13785 104 13785 104
(LxeLxAUuD) Yojana (SJSRY)
xuheri aq xuUeaU rel Swarna Jayanti Gram Swarozgar
26243 159 26243 159
(LxeLxuD) Yojana (SGSY)
qs Rl us M q Lu mlux Scheme for Liberation and Reha-
342 1.36 342 1.36
rel (LxLsAULx) bilitation of Scavengers ( SLRS)
upSM ore SU (QAUAD) 171762 173 Differential Rate of Interest (DRI) 171762 173
mklq UeaU xel Mrq Prime Minister Employment Gen-
11082 380 11082 380
(mLqDem) eration Programme (PMEGP)
Ms 234472 960 Total 234472 960

upSM ore SU (QAUAD) M iWi 1.72 spjr M `173
MUQ M Aaq mSl Mr exq x aqh u Ak-aqh
zZA M Sr ar Aaq `133 MUQ UW|
xqe M xukUWi ua M xqjl q rj qc 2015 M 5.52
sZ Ae/Aee spjr M oM l `6466 MUQ M Aaq
mSl Mr | Ae / Aee M Sr ar Aaq Ms mjqMi
M Sr ar Aaq M 5.46% UW |
Advances to DRI stood at `173 crore, consisting of 1.72
lakhs beneciaries, of which, advances by rural and semi-
urban branches amounted to `133 crore.
In support of the underprivileged sections of the society,
the Banks advances to SCs/STs beneciaries amounted
to `6466 crore as at March 2015, covering 5.52 lakh
borrowers. The advances to SCs/STs comprised 5.46% of
total priority sector advances.

37
xqe M MqeU ua M Sr ar Ms Aaq 29% u M Advances to weaker sections grew by 29% to `38649
xj `38649 MUQ UW e 10% M Alur qlSQ M isl q crore, constituting 13.37% to ANBC against mandated
LLlox M 13.37% UW | norm of 10%.

rj qc 2015 M MqeU ua M Sr ar Aaq M up Various components of Advances to Weaker Sections as

bOM (` MUQ q) at March 2015 (Amt. ` Crore)

oMr Outstanding
Sectors
Zi Uz Accounts Amount
sb u xqi MwM, pqWl Small & Marginal Farmers,
qM MziMU, MwM u Landless Labourers, Tenant
oODSU Farmers and Share Croppers 3497318 33854
3497318 33854
MUaU, aq AU MOU Artisans, Village and
Ea 50443 729 Cottage Industries 50443 729
A e / A e e spj 551639 6466 SC/ST Beneciaries 551639 6466
Q AU AD Gh 171762 173 DRI Loans 171762 173
LxeLxuD spj 26243 159 SGSY Beneciaries 26243 159
LxeLxAUuD spj 13785 104 SJSRY Beneciaries 13785 104
LxLce/LleA/LqLTAD 112830 2499 SHGs/NGOs/MFIs 112830 2499
LxLsAULx M Aaq 342 1.36 Advances to SLRS 342 1.36

rj qc 2015 M ulS AsmxZrM xqSr M Sr ar As at March 2015, advances to specied minority

Ms Aaq `22766 MUQ UW e 15% M lkUi xiU M isl
q Ms mjqMi M Sr ar Aaq M 19.26% UW |
Ur aqh euM qzl
aqh uMx qsr U Mrlui AeuM (UwOr aqh Under the Scheme Aajeevika (National Rural
euM qzl) M iWi rj 01.04.2013 M oS Gh xWo
qWs xur xWri xqW (QosrLxLce) M `3.00 sZ
iM M Uz M sL 7% M SU x Gh xuk qWr MUr
eLa | Aa, iuUi m x Gh M cMi MUl us qWs xur
xWri xqW (QosrLxLce) M 3% M AiUYi ore AlSl
mSl M eLa | uiql q 150 ua - 1 es q rel M
Mrlurl Mr e UW W | Cx rel M Mrlui MUl M sL
MlU oM M lQs oM M m q crl Mr ar AU aqh
uMx qsr, pUi xUMU M xj xWqi ml mU WxiU
Mr ar | Bl sCl qkrq x xSxr oM U Su M mxii
M sL LM Asa uo mOs uMxi Mr ar |
Ur aq euM qzl (LlAULsLq) l SlM 01.04.2013
x uiql xuheri aq xuUeaU rel (LxeLxuD)
M mixjmi Mr W | WqU oM M uwrai rel M
AlSl M mzxl M sL lQs oM M m q crli Mr W |
LlAULsLq M iWi xcsi MlU oM xWi xp xSxr
oM M Ms Su lqlui W :-
communities aggregated to ` 22766 crore, accounting
for 19.26% of the total priority sector advances against
the stipulated 15% norm.
National Rural Livelihood Mission (NRLM)
Livelihood Mission) implemented by Ministry of Rural
Development, Women Self-Help Groups (WSHGs) credit
linked after 01.04.2013 would be provided credit facilities
at 7% ROI up to `3.00 lakh. Further, prompt repaying
WSHGs will get additional interest subvention at 3%.
Presently, the Scheme is being implemented in 150
Category-I Districts. Canara Bank was selected to act as
the nodal bank for implementation of the Scheme and
MoU was signed with Ministry of Rural Development,
Government of India. An exclusive web portal was
developed for submission of claims by member banks
through online mode.
NRLM has replaced the existing SGSY Scheme with effect
from 01.04.2013 and the Bank is selected as Nodal Bank
for administration of the subsidy for the subject scheme.
The consolidated claims handled under NRLM for
all member banks, including Canara Bank, are as
under.

38

Zi M xZr
uw
(uxiuM)
2013-14 619933
2014-15 411499
Ms 1031432
xq, sb u qkrq Eq
Eq (LqLxLqD) EkU
rj qc 2015 M xq, sb u qkrq Eq (LqLxLqD) M
mSl Mr ar Aaq 21.11% u M xj `60604 MUQ W
ar | xq u sb Eq (Lq u LxD) ua M Sr ar Aaq
46305 MUQ UW AU Cxq Alur 20% qlM M isl q
26.16% M u Se WD | qkrq u sb Eq (LqLxLqD) q
xq Gh M Wxx mNs uw M 55.84% M ssl q xkU
Se Wl WL 60% UW | xq Eq Zi M xZr q Alur
10% M isl q 33.22% M u WD |
uw M SUl oM l LqLxLqD M Gh muW oRl M sL
MD mWs ML |
Gh mxiu M iuUi mxxMUh M sL Sz pU q 162
uzwMi LxLqD zZL ij 48 LxLqD xsp (uzwMi
LxLqD mxxMUh MlS) MrUi W |
xq u sb Eq M MD xmM mipi M ol ij
xUsMi Gh zi mU ur xWri mSl MUl M sL
QYOx cCx, LqLxD xqO, LqLxLqD Mm, LqLxLqD
uWl, LqLxD uei, MlU MlOYOU rel, MlU MUu,
nsuU ij LqLxLqD LYxm ex ZQ uzw relA M
z Mr ar |
uzw YsxOU ij aiukr M mSl M elus Gh M
oRl M sL lL / YsxOU uzw relA ex Ale
zsU rel, Ss qs rel, Me mxxU rel AS z
Mr / eU UZ ar |
eaMi mS MUl M sL qa xZ zuU M Arel
Mr ar ij LqLxLqD M Gh muW oRl M sL
xi M AmUh Mr ar |
xTs Eqi M sL xW qaSzl u AuzrM elMU
mSl MUl M Ezr x up xUMU upa ij xjlr
xaPl M AkMUr M zqs MUi WL Sx zWU q lL
Eqr M sL zZU (xqqO) xqqsl M Arel Mr
ar |
mUrel UmO irU MUl M sL, qsrMl M sL ij
LqLxLqD Eqr M mUqzS xuL Emsok MUl M
sL mc qZr MlS q LqLxLqD mUqzS xu M M
aPl Mr ar |
(` MUQ q) (Amt. ` Crore)
Su M aD No of Accounts Amount of
Year ( Actual) Subsidy claimed
AlSl Uz
268.41 2013-14 619933 268.41
204.10 2014-15 411499 204.10
472.51 Total 1031432 472.51
Micro, Small & Medium Enterprises (MSME) Lending
Advances to MSMEs increased by 21.11% to `60604 crore
as at March 2015. Credit to Micro & Small Enterprises
(M&SE) segments rose to `46305 crore, with a 26.16%
growth against mandated 20% norm. Share of Micro
credit in M&SE improved to 60% from 55.84% last year.
The number of Micro Enterprises accounts recorded a
growth of 33.22% against mandated norm of 10%.
During the year, the Bank took several initiatives to
increase the ow of credit to MSME sector.
162 specialized SME branches and 48 SME Sulabhs
(Specialised SME Processing Centres) for faster
processing of credit proposals are functioning
throughout the country.
To extend nancial assistance to micro and small
enterprises without any collateral security and
with relaxed lending terms, new segment specic
schemes have been launched, such as, Doctors
Choice, MSE SMART, MSME CAP, MSME Vahan, MSE
Vijeta and Canara Contractors Scheme, Canara
CARAVAN, Flavour and MSME Expo .
To increase exposure to specic clusters and
activities, new area/cluster specic Schemes have
been launched/continued, such as, Rice Shellers
Scheme, Dal Mills Scheme and Cashew Processors
Scheme.
Mega Credit camps were conducted to create
awareness and pool sources for increased credit ow
to MSME sector.
Summits were arranged at ten centres for start-up
entrepreneurs, involving functionaries from different
Government Departments and local industrial
organizations for necessary inputs and guidance for
successful entrepreneurship.
MSME Consultancy Services Cells were established
in ve major centres for project report preparation,
appraisal and other consultancy services to MSME
entrepreneurs.
39
 Acs Mrsr xiU mU xq Eq M xWri mSl MUl
M sL xq Eq MUoU MlS M xjml M aD |
LqLxLqD Eqr M umhl mrx M xWri mSl MUl
M sL oM l www.canbankemart.com lq x uoxCO
u ElM EimS M mSzl M sL D-xOU z Mr W |
oM l LqLxLqD M iWi oM M up mWs M xok q
Eci elMU M sL www.canaramsme.com uoxCO
z M W |
LqLxLqD aWM U LqLxLqD AuSl M mxiiMUh u
OMa urmM iU mU Mr ei W |
mWs oU oM x Gh AuSl MUl us LqLxLqD
Eqr M qsrMl MUl M sL LM QO xMUa qQs
z Mr W |
EpUi Eqr M up AuzrMiA M mi, ex
LqLxLqD M iWi clir u AuxU x xoki elMUr
M Aiqxi MUl, xar M Arel, mzh mWs,
xoki xaPl M xj ucU-uqz AS ij lrqi
mMA M qkrq x E M mcU-mxU M sL upa q
Eq uMx MlS M aPl Mr ar W |
LqLxLqD CMCr M laUl u Txsl mokl xok
mWsA mU aU MUl M sL ij xUMU SzlSz
M AlxU LqLxLqD CMCr M mlux u mlaPl M
qkrq x qSS MUl Wi upa q LM uzw M M aPl
Mr ar W |
ruA M oc Eqi M mixWi MUl M sL ij
AlMUhr oll M sL Uer xiU mU xuq MrlwmSl
MUlus LqLxLqD Eqr M sL mUxMU rel mri
M aD W|
xZ xo me AjM xWri rel (xLsxLxLx) M
iWi LqLxLqD M iMlM xiUrl Wi lQs Lelx M m
q oM l uw M SUl xq, sb u qkrq Eq, pUi xUMU x
`21.93 MUQ M Uz mmi M AU uw M SUl Cx mU Uz M
lqcl Mr ar | CxM xj-xj oM l iMlM xiUrl
lk rel (OrLTLx) M iWi `73.21 MUQ M AlSl, Z
mxxMUh Ea M iMlM xiUrl (LqALTmAD) M iWi
`6.40 MUQ M ij cl Emq 2014 (LxDLTLLxr)M
ur xWri mSl MUl M sL `87 sZ M AlSl mmi
Mr u mU Uz M lqcl p Mr ar |
Micro Enterprises Business Centres were established
at Circle Ofces for handholding Micro Enterprises.
In order to support the marketing efforts of the
MSME entrepreneurs, the Bank has launched a
website www.canbankemart.com and also E-store to
display their products.
The Bank has launched an exclusive website
www.canaramsme.com for easy access and
understanding of MSME initiatives.
The online submission of MSME applications and
tracking thereof by the customers is facilitated and
used extensively by the MSME clientele.
The Bank has introduced a Credit Scoring Model to
evaluate the MSME entrepreneurs who apply loan
from the Bank for the rst time
Entrepreneur Development Centre has been set
up at Head Ofce to cater to the needs of budding
entrepreneurs by way of assimilation of information
regarding the challenges and opportunities under
MSME, conducting of seminars, training initiatives,
interaction with the concerned organizations and
propagation of the same through regular bulletins.
An exclusive set up has been established at Head
Ofce to look into the aspects of monitoring, slippage
management and handholding in times of stress by
way of rehabilitation and restructuring of MSME
units as per Government guidelines
The Bank has instituted awards for best performing
MSME Entrepreneurs at State level to promote and
encourage entrepreneurship amongst the youth.
The Bank received an amount of `21.93 crore from
the Ministry of Micro, Small and Medium Enterprises,
Government of India, during the year as a Nodal Agency
for Technology Upgradation of MSMEs under Credit
Linked Capital Subsidy Scheme (CLCSS) and fully released
the amount during the year. The Bank also received
and released subsidy of `73.21 crore under Technology
Upgradation Fund Scheme (TUFS), `6.40 crore under Plan
Scheme of Technology Upgradation of Food Processing
Industries (MOFPI) and `87 lakh under Scheme for
Extending Financial Assistance to Sugar Undertakings
2014 (SEFASU).
40
ur xquzl
uiir xquzl M mi xqa SMh
oMa xu M SrU x oWU UW ar eli M oMa M qZrkU
M Aiai sl M qs Ezr x uiir SrU x oWU u uzw
m x xqe M xqi ua M ur EimS u xuA M
qWr MUl M sL oM mrxUi W | pUi xUMU u pUir
Ueu oM M lSz M AlxU oM ur xquzl M LeQ
M up xqW q cU qWiumh Emr, ex oMa xUcl M
uxiUh, Eci ur EimS M mzMz, maM M urmM
AU aWl Emra AU WikUM xWpai M xj xr m x
Aa oR UW W |
uw M SUl, oM l SzpU M oM UWi 10049 AoOi au
M xTsimuM muUi Mr | oMa xuk UWi au q 270
ur xquzl zZL Zs AU Cx mMU zZ qQs M iWi
ur xrquzl us Ms zZL oRMU 806 W aD | oM l
il MmUO MUoU milkr (ox) lqi: qxx COa qC
xxOqx (m.) sqOQ, qxx Tl mOM ij qxx xLxx
C-aullx xuxe CQr sqOQ M zqs MUi WL MUoU
milk (ox) qQs M iWi 2459 MUoU milk LeO
(oxL) M lrYi Mr W | CxM xj oM l 544 Ai sb
zZL Zs exq x 65 M ur xquzl zZA M m
q xiUrl Mr ar W | rj qc 2015 M 479 Ai sb
zZL MrUi W |
uiir xquzl zZA q MUoU eOr el
rj qc 2015 M u.x. zZA M MUoU `8670 MUQ M
xiU iM mWc | Cl zZA M eqL Ms eqA M 54% M
xj 2149 MUQ UW |
qs oci oM eq (oLxoQ) Zi M xji
oM l uw M SUl 54.56 sZ oLxoQ Zi Zs exx qs
oci oM eq (oLxoQ) Zi M xZr rj qc 2015 M
`2401 MUQ M Ms eq M xj 1.39 MUQ iM e mWc |
xZ xoi
uiir mWc xlzci MUl M Sz q oM U Mr ar
LM AU xjM mrx W eW oM l MlU lr Sz rel
M iWi Cl-osO AuU QnO (ADAQ), Mxl QO MQ
Financial Inclusion
A Holistic Approach to Financial Inclusion
With the basic objective of bringing the large unserved
population under the banking mainstream, the Bank
is striving towards a more inclusive growth by making
nancial products and services available to nancially
excluded and marginalized sections of society in
particular. As per the Government of India and the Reserve
Bank of India directions, the Bank has been actively
pursuing the agenda of Financial Inclusion (FI), with key
interventions in four groups, viz., expanding banking
infrastructure, offering appropriate nancial products,
making extensive and intensive use of technology and
through advocacy of Financial Literacy.
During the year, the Bank has successfully covered all the
allotted 10049 unbanked villages across the country. The
Bank opened 270 Financial Inclusion (FI) branches during
the year in unbanked villages, taking the total tally of
FI branches to 806 under branch model. The Bank has
engaged 2459 Business Correspondents Agents (BCAs)
under Business Correspondents (BC) model by engaging
three Corporate BCs, viz., M/s Integra Micro Systems (P)
Ltd, M/s Fino Paytech and M/s CSC e-Governance Services
India Ltd. Besides, the Bank had opened 544 Ultra Small
Branches (USBs), out of which 65 were upgraded as
FI branches. There were 479 USBs operational as at
March 2015.
Business canvassed in the new FI Branches
The business of FI branches reached a level of `8670 crore
as at March 2015. The CASA deposits of these branches
stood at `2149 crore, constituting 54% of total Deposits.
Position of Basic Savings Bank Deposit (BSBD) Accounts
The Bank opened 54.56 lakh BSBD accounts during
the year, taking the tally of BSBD accounts as at March
2015 to 1.39 crore, with an outstanding deposits of
`2401 crore.
Credit Linkage
Financial deepening is yet another endeavour by the
Bank in providing various other facilities, like, In-Built
Overdrafts (IODs), Kisan Credit Cards (KCCs), General
41
(Mxx), xqlr QO MQ (exx), upSM ore SU
rel (QAUAD), xu xWri xqW (LxLce), xq xZ
xqW (Lqxe), xq oq u xq mzl ex upll Alr
xukL mSl M W | uw M SUl EmU xZ xoi q xkU Nayee Disha Scheme. Improvement in the above credit
lqlui W:
Cl-osO AuU QnO ADAQ - `66 MUQ Uz x 3.30
sZ spjr M Cl-osO AQ xuk M Alqi S
ar |
Mxl QO MQ (Mxx) - uw M SUl, oM l `8653
MUQ Uz x 5.85 sZ MQ spjr M eU Mr |
rj qc 2015 M Mxx M iWi Gh M oMr `10330
MUQ UW |
QAUAD - uw M SUl oM l QAUAD rel M iWi
70332 urr M uiimwi Mr exM Aiai `99
MUQ M Ms xWri mSl M ar | uwi iM 1.71 sZ
Zi xWi QAUAD q oMr ` 172 MUQ UW |
xu-xWri xqW (LxLce) - uw M SUl 41319
xu-xWri xqW (LxLce) M aPl Mr ar | Ms
`903 MUQ xWi 42066 xu-xWri xqW (LxLce)
Gh xo WL | uwi iM 114698 sZ LxLce Zi
xWi LxLce q oMr `2456 MUQ UW
xq oq
uw M SUl oM l xq oq li M iWi 70320 oLxoQ
ZikUM M oq muUh qWr MUr |
xq uii zZL
oM l zWU MlS q 19 xq uii zZL Zs W | Cl
zZA l rj qc 2015 M Ms `441 MUQ M MUoU
eOr W |
MlU aqa rel
19 luoU 2013 M oM M xxjmM Sux M AuxU mU, oM U
AaMi 65 au u 3 faa fmQ r M xW qrl q uMx by the Bank for bringing in socio-economic and cultural
xli MUl M Ezr x MlU aqa lqM LM lD rel
M zpUp Mr ar iM xZ u aU-xZ xqjl M eUL
xqeM - AjM u xxMiM mUuil sr e xM
uir xUi MlS (LTLsx)
oM l Aq sa M ur xUi mSl MUl M sL 65
uir xUi MlS xjmi Mr W | Ao iM Cl xUi MlS l
17 sZ sa x xmM Mr W ij 2.05 sZ sa M xsW
S W | oM l up xUi rMsm lqlui Arei M W:
MqM oM `qS AU oci' 09 pwA q mMzi MU
MU AkzWU u aqh zZA M qkrq x aqh N u
MwM xqSr q 2 sZ sa M uiUi Mr ar |
Credit Cards (GCCs), Differential Rate of Interest Scheme
(DRI), Self Help Groups (SHGs), Micro Credit Groups
(MCGs), Micro Insurance and Micro Pension under Canara
linkages during the year is as under.
IODs - In built OD facility permitted to 3.30 lakh
beneciaries, amounting to `66 crore.
KCCs - During the year, the Bank issued
5.85 lakh KCCs, amounting to `8653 crore. As at
March 2015, the credit outstanding under KCCs was
at `10330 crore.
DRIs- During the year, the Bank nanced 70332
persons under DRI Scheme, with total assistance of
`99 crore. DRI outstanding at the end of year was
1.71 lakh accounts, with a balance of `172 crore.
SHGs - 41319 SHGs were formed during the year and
credit linked 42066 SHGs, with credit of `903 crore.
The outstanding SHGs at the end of the year stood at
114698 accounts, with a balance of `2456 crore.
Micro Insurance
The Bank provided life coverage to 70320 BSBD account
holders under Micro Insurance Policy during the year.
Micro Finance Branches
The Bank has opened 19 Micro Finance branches in urban
centres. These branches mobilized a total business of
`441 crore as at March 2015.
Canara Gramodaya Scheme
On 19th November, 2013, the Banks Founders Day, a
new Scheme called Canara Gramodaya was launched for
holistic development of 65 villages and 3 slums adopted
changes through credit and non-credit support.
Financial Literacy Centres (FLCs)
The Bank has set up 65 FLCs to provide nancial education
to common man. So far, these FLCs have contacted 17
lakh persons and counselled 2.05 lakh persons. The Bank
has conducted various Financial Literacy activities as
under:
A comic book on Money and Savings was brought
out in 9 languages and distributed to 2 lakh people
through the rural and semi urban branches to reach
the rural students and the farming community.
42
 iqs lQ, MlOM u MUs q Aah LleA/LxLce M
1057 liiu M sL 35 ur xUi Mrq Arei ML
aL |
MlOM Uer aqh xUMU xMs q oMa AU u mU
Mrq Arei ML aL exq OosO mx M qkrq
x 26 xMs q 5000 N spui WL ij EU mSz M
AaU u AsaR es M 30 aqh xMs q MqM
oM uiUi MUi WL 30,000 N M spui Mr ar |
MlOM M cSa es q 5 aqh xMs q 46 zM
M sL ur xUi Mrq M Arel Mr ar, e
oS q N M ur xUi mSl MUa ij Elq ur
eaMi uMxi MUa |
oM l EU MlU AU zqa es q ur xUi Tsl
Wi 20 ral lOM M Arel U 4500 aqh M
sp mWcr ar |
WqU aqh u Ak-zWU zZA M qkrq x pUir
Ueu oM U WlS q mMzi ur QrU sa q
uiUi MUi WL 70000 sa M spui Mr ar |
MlOM Uer M xSU aqh q 8 sZ sa M MuU
MUi Wi xqSrM UQr xOzl (90.4 LT Lq) mU oMa
u u mU ur xUi Mrq mxUi MUr ar |
mq oas u AQx M sa M xqcU m q uml
M eUL mx xUi UZl mU zi Mr ar |
sa M xq u, xUi luz, exx, Mxx,
oLxoQ Zi u LqLxLqD mU ur xUi mU zi
MUi WL 6 Ou uml irU MU SUSzl M Ur u
xWrS cls mU pUir Ueu oM M Yue mirai M
xp Mrq q mxUi MUr ar |
oWU, AQx, EU mSz u mq oas Uer q ur
xUi M m q 100 lYYQ lOM Arei ML aL |
eluU 2015 M SUl 3 xucNM xxjl M xWra x 13
ur xUi Mqm saL aL exq 720 mipar M
mzi Mr ar |
MlOM q AMzuh LTLq mU Ms mz, MOqo Wl''
lqM mUcc Mrq mxUi MUi WL mklq elkl
rel M xp sp u uuUh M oii WL sa M slSl
MUl Wi mixWi Mr ar |
35 Financial Literacy programmes were organized for
1057 leaders of NGOs/SHGs in Tamil Nadu, Karnataka
and Kerala.
Financial literacy programme on banking and nance
was conducted for the rural Government Schools in
Karnataka State through the use of Tablet PC in 26
schools and about 5000 students were beneted
and in 30 rural schools each in Agra and Aligarh
districts in Uttar Pradesh by distributing the comic
books, beneting 30,000 students. Financial Literacy
programmes were also organized for 46 teachers in
ve rural schools in Chitradurga district, Karnataka
who in turn will impart nancial literacy to the
students and upgrade their nancial awareness.
20 Yakshagana plays were organized to spread
nancial literacy to the villagers in the districts of
Shivamogga and Uttara Kannada, beneting 4500
villagers.
Financial Diary in Hindi brought out by RBI and
distributed to the public through our rural and semi
urban branches, reaching 70000 people.
Financial Literacy programmes on banking and
nance was broadcast through Community Radio
Station (90.4 FM) to cover 8 lakh population in remote
rural areas in Karnataka State.
People of West Bengal and Odisha were educated
on safe parking of their funds through the paper
advertisements.
6 Television Commercials (TVCs) made on Financial
Literacy educating the public on micro insurance,
safe investment, GCCs, KCCs, BSBD accounts and
MSME and telecast during all episodes of RBI quiz
telecast through DD National and DD Sahyadri.
100 Street Plays, as a part of Financial Literacy, were
conducted in the States of Bihar, Odisha, Uttar
Pradesh and West Bengal.
13 Financial Literacy Camps conducted in association
with 3 voluntary agencies, wherein 720 participants
were trained during the month of January 2015.
A Radio talk and interaction programme on Kali
Purse, Kaitumba Hanawas aired in Karnataka on All
India Radio FM, giving all the benets and details
of Pradhan Mantri Jan Dhan Yojana (PMJDY) and
motivating the people to do transactions.
43
 ur xUi q ie sl M sL uzw m x LM
xukmSi M lr M W |
SzpU q uir xUi xreM UZ aL e Aml Em
q oM q M laUl u ElW mixWi MUi WL sa M
AkM slSl MUl M sL mixWi MU xM |
oM q M pUir oMa u u CTxOYcU sea
u TClxrs xuxe xxjl M qkrq x mzi Mr
ar | ElW oM u MmUO ox U oMa u maM mWs
mU aWl mzh p Sr ar |
AkU lqMl
oM l 7 AkU lqMl Lexr M mlso Mr W | Ao iM
Ms 101 sZ lqMl ML e cM W | oM 100 AkU xZr
xQa MUi WL xp oM q mjq xjl mU W |
mir sp AiUh (QoO) rel Mrlurl
oM l xzki QoO/ QoOLs M iWi luoU 2014 x
`328.85 MUQ mxxMi MUi WL 81.27 slSl M xTsimuM
xcsl Mr W |
mklq el-kl rel (mLqeQuD
oM l mLqeQuD M iWi 64.76 sZ Zi ZsMU xp
Zi q m QoO MQ eU Mr W | Cl Zi q `858
MUQ Mx eq eOr W |
oM q D-MuDx Emra M sMmr oll M sL xp
zZA ij ox xjl mU D-MuDx AuSl Emsok
MUr W | CxM AiU xqr-xqr mU D-MuDx Aprl
p csr ar W |
oM q M qkrq x pail xuk mSl MUl Wi ElW
mS WxikUi qzl M m MQ xuMU MUl Wi xqji
Mr ar W |
AixiMi M xj olD aD rel M qkrq x xp
AoOi 3962 LxLxL ij 3371 uQ q mUuU M xuh
Mr lkUi xqr xq M piU mU Mr ar | AoOi
LxLxL ij uQ q mirM mUuU q Mq x Mq 1 Zi
Zs aL | oM l 69.67 sZ bU M xuh Mr W ij
mr W M 35 sZ mUuU M mx Aml oM Zi lW W
| oM l 60.38 sZ Zi Zs W ij 10 SxoU 2014 M
xp LxLxL ij uQ M xbli bwi MU Sr W ij
pUi xUMU U xUW ar W |
oM l 11 luoU 2014 M MUs Uer, eW oM Uer xiUr
oMU xqi (LxLsox) M xreM W, M xbli bwi
MU Sr W |
A Facilitator engaged exclusively for intensifying the
Financial Literacy efforts.
Financial Literacy Coordinators were engaged Pan
India to monitor and motivate the Bank Mitras to
accelerate Financial Literacy in their Sub Service
Areas (SSAs) and encourage the people to do more
transactions.
Bank Mitras were trained through Indian Institute
of Banking & Finance and Infrastructure Leasing &
Financial Services Limited. They were also provided
with extensive training on Banking and Technology
aspects by the Bank and the Corporate BC.
AADHAAR Enrolments
Bank has empanelled 7 Aadhaar Enrolment Agencies. A
total of 101 lakh enrolments have been done so far. The
Bank occupies number 1 position among all the Banks
in Aadhaar seeding, with 100 lakhs Aadhaar numbers
seeded.
Implementation of Direct Benet Transfer (DBT) Scheme
Bank has successfully launched modied DBTL from
November 2014. 81.27 lakhs transactions amounting to
`328.85 crores have been processed under modied DBT/
DBTL.
Pradhan Mantri Jan Dhan Yojana (PMJDY)
The Bank opened 64.76 lakh accounts under PMJDY
and RuPay Cards have been issued to all accounts.
These accounts have mobilized a CASA deposit of
`858 crore.
To popularize the e-KYC usage in the Bank, e-KYC
application has been ported in all branches and BC
locations. In addition, e-KYC campaigns have been
launched from time to time.
To provide the facility of payments through the Bank
Mitras, handheld devices provided to them was
enabled to accept the RuPay Cards.
Through meticulous planning, the Household survey
was completed in all the allotted 3962 SSAs and
3371 Wards well within the timeline. Each household
in the allotted SSAs and Wards were covered with
at least one account per household. The Bank has
surveyed 69.67 lakh households and found 35 lakh
households were not having their accounts. The Bank
opened 60.38 lakh accounts and declared all the SSAs
and Wards as saturated on 10th of December 2014
and was appreciated by the Government of India.
The Bank declared the State of Kerala as saturated on
11th of November, 2014, where the Bank is Convenor
of the State Level Bankers Committee (SLBC).
44
 oM l mLqeQuD M iWi Os T loU (1800 425 11
222) mSl MUi WL zMri luUh i xjmi Mr W
ij Ex Ur SlM q mMzi MUr ar W | Cx loU M
WqU xp mLqeQuD M uml, mM,olU u mxOU q
mMzi MUr ar W | oM l up xjl mU olU/WQa/
mxOU u us mOa sar W | qSh u CsYOlM qQr
M qkrq x mcU xli Mr ar W |
Aah oM rel
Ur Uekl Sss M 03 qO es q oM M AiU Aah
oM EUSriu Sr ar W | CxM xj W oM M Aah oM
EUSriu M xZr oRMU Sz M 29 es q W aD W elq
x MlOM q 08, iqslQ q 07 MUs u EUmSz q 05,
Sss q 03 AU oWU q 01 es q W | MUs q rW oM
UerxiUr oMx xqi(Lx o Lxs x) M xreM W |
qWs xzMUh
qWsA M AjM xzMUh M sL mkl Mrsr,oasU
q qWs Eqi uMx MlS (xDQQosr) AU 47 Acs
Mrsr q MlS Mr MU UW W| Cl MlS U uw 2014-15
M SUl 33126 qWsA M sp mWci WL 391 mzh
Mrq M Arel Mr ar W elq 184 xqlr /Mzs
Eqi uMx Mrq (DQm), 78 Eqi eaMi Mrq
AU 80 xar/MUrU aCQx Mrq zqs W | oM l 49
MlU Eixu /MlU oeU Arei MUi WL qWs Eq M
umhl xWri p Emsok MUr | qWs Eqi uMx MlS
l ClW xur xWri xqW lqh u QO sMe q xWri
M W | MlOM M WUWss q xji aqh xuUeaU mzh
xxjl Eqi uMx Mrq U qWsA M Mzs mzh
Si W AU up uruxr q xuUeaU Emq z MUl M
sL ElW xq oli W | xxjl U xjml M oS x 18569
qWsA M mzi Mr W, elq x 1061 qWsA M uw
2014-15 M SUl mzi Mr ar W |
oM l qWs aWM mU krl Sl Wi S uzwMi qWs oMa
zZA M Asu SzpU M 14 zZA M mh qWs
MqcU zZ'' q mUuii Mr W | oM l rj qc 2015 M
`37783 MUQ M Gh oMr M xj 23.86 sZ qWsA M
xWri M W ij pUir Ueu oM M LLlox M 5% M
Akql AuzrMi M Lue q 13.07 mmi Mr W | qWsA
M AlM Urri S ar W exq NA M z Gh q mi
lrq q NO M xj 0.50% ore SU q Urri, `2 MUQ iM
M LqLxLqD Gh M iWi qWs spjr M 0.50% ore
Urri zqs W | uw M SUl xq u sb Eq M iWi qWs
spjr M sL `200 sZ iM M Gh M sL LM lD Gh
rel LqLxD uei'' sa M ar W | oM U qWsA M
sL AlM NO u xukA M xj LM uzw oci oM EimS
MlU qWs oci rel p sa M ar W |
The Bank has put in place a Grievance Redressal
Mechanism by providing a toll free No (1800 425 11
222) for PMJDY and the same has been published
in national dailies. The number is also published in
all our PMJDY advertisements, leaets, banners and
posters. The Bank has put up banners/hoardings/
posters and wall paintings at various locations.
Publicity ensured through print and electronic media.
Lead Bank Scheme
The Bank has been assigned additional lead bank
responsibilities in 3 Metro Districts of Delhi National
Capital Territory. With this, the Banks lead bank
responsibilities increased to 29 districts in the country,
viz., 8 in Karnataka, 7 in Tamil Nadu, 5 in Kerala, 5 in Uttar
Pradesh, 3 in Delhi and 1 in Bihar. The Bank is the Convenor
of the State Level Bankers Committee (SLBC) in Kerala.
Women Empowerment
Department of Women Empowerment at Head
Ofce, Bangaluru and Centres for Entrepreneurship
Development for Women at 47 Circle Ofces are working
towards economic empowerment of women. These
Centres organized 391 training programmes, benetting
33,126 women during 2014-15, including 184 General/
Skill Entrepreneurship Development Programmes
(EDP), 78 Entrepreneurship Awareness Programmes, 80
Seminars/ Career Guidance Programmes and 49 Canara
Utsav/ Canara Bazar Marketing Melas. The Centers have
also assisted in formation of SHGs and credit linkages.
An exclusive Rural Self Employment Training Institute
was set up at Harohalli, Karnataka to provide EDP skill
trainings to women in various vocations, enabling them
to take up self employment ventures. 18,569 women
have been trained since inception, out of which 1061
women have been trained during 2014-15.
Apart from 2 exclusive Mahila Banking Branches, catering
to the banking needs of women, the Bank has converted
14 branches into All Women Employee Branches across
the country to give a focus to women clientele. The Bank
assisted 23.86 lakh women, with credit outstanding
to the tune of `37783 crore as at March 2015 and
achieved 13.07% to ANBC as against RBIs requirement
of 5%. Several concessions have been given to women,
including relaxation in eligibility norms and 0.50%
interest concession on educational loans to girl students,
0.50% interest concession for loans and advances to
women beneciaries under Micro & Small Enterprises
upto `2 crore. A new Loan Scheme MSE Vijeta has
been introduced during the year for granting loans
upto `200 lakh to women entrepreneurs under Micro
& Small Enterprises. Canara Mahila Savings Scheme, a
special Savings Bank Product with many concessions and
facilities, was also launched by the Bank for women.
45
 MmUO xqeM Sriu
xLxAU aiukr q Miql xjmi MUl
oM xxjmM xi u xSr mUl mUqmU M msl MUi WL
up MmUO xqeM Sriu (xLxAU) aiukr q sa
WA W | oM M MmUO xqeM Sriu mWs oWArq W
exq oUeaU aqh ruM M mzi MUl ,mjqM xuxjr
SZps, mr es, xqSrM uMx, qWs xzMUh u Alr
xqeM mWs zqs W |
aqh uMx
aqh ruA q Eqi uMx u xuUeaU aiukr M
oRu Sl M M sL MlU oM zioS aqh uMx OxO
(xoxAUQO) M qkrq x oM l 26 aqh xuUeaU
mzh xxjl, 05 xcl maM xxjl u 03 zsmMU
mzh xxjl xWi 34 uz mzh xxjl xjmi Mr
W| uw 2014-15 M SUl Cl xxjl U 27960 Aprjr
M mzi MUl M xj W 73% M mpuzs UeaU SU x
zAi x Ae iM oUeaU ruM M mzi MUl M xZr
2.41 sZ W aD W |
oM l xuUeaU Mrq AUqp MUl Wi aqh ruA M
mzh Sl q sa WL 17 Uer q Alr 27 aqh uMx
AU xulrei mzh xxjl(QxO) M xW-mrei Mr
W | uw 2014-15 M SUl Cl xxjl U 24092 Aprjr M
mzi MUl M xj W 73% M UeaU SU x oUeaU ruM
M mzi MUl M xZr 3.70 sZ W aD W |
oM l WSUoS q aqh u u Eq uMx Wi Alk mSz oMx
xxjl/ Wsrs, MlOM q MlU oM SzmQ AULxDOAD,
oasMO, MlOM q MlOM Mxl xxkl MlS (M LT AU
x) u oasU q pUi U Lq uUr mzh xxjl M
xW mrei Mr W|
xqrM m x oM l 66 mzh xxjl M mrei /xW
mrei Mr W eW 73% M lmOl SU M xj AoiM 6.11
sZ oUeaU ruM M mzi Mr ar W |
oM l qWs Eqr, xur xWri xqW u zsmMU M ElM
EimS M umhl Wi WD OM, MxOq lqi, xU Ee csi
`ZSU qoDs umhl ul' Sl Mr W |
uw M SUl oM l xLx AU Mrq M iWi xqSr M sp
Wi lqlsZi oWxZrM aiukr M W |
CORPORATE SOCIAL RESPONSIBILITY
Setting Examples in CSR Activities
Following founding principles and century old tradition,
the Bank is engaged in varied Corporate Social
Responsibility (CSR) activities. CSR initiatives of the
Bank are multifarious, covering activities, like, training
unemployed rural youth, providing primary health care,
drinking water, community development, empowerment
of women and other social initiatives.
Rural Development
The Bank, through its Canara Bank Centenary Rural
Development Trust (CBCRDT), has established 34
exclusive training institutes, including 26 Rural Self
Employment Training Institutes (RSETIs), 5 Institutes
of Information Technology and 3 Artisan Training
Institutes to promote entrepreneurship development
among rural youth and encourage them to take up self-
employment activities. During 2014-15, these Institutes
trained 27,960 candidates, taking the tally to 2.41 lakh
unemployed youth since inception, with an impressive
settlement rate of 73%.
The Bank has co-sponsored another 27 Rural Development
and Self Employment Training Institutes (RUDSETIs)
across 17 States, engaged in training of rural youth
for taking up self-employment programmes. During
2014-15, these Institutes trained 24,092 candidates,
taking the tally to 3.70 lakh unemployed youth, with a
settlement rate of 73%.
The Bank has co-sponsored Andhra Pradesh Bankers
Institute for Rural and Entrepreneurship Development
(APBIRED) at Hyderabad, Canara Bank Deshpande RSETI
at Haliyal, Karnataka, Karnataka Farmers Resource Centre
(KFRC) at Bagalkot, Karnataka and Bharat Ratna Shri M
Visvesvaraya Training Institute at Bengaluru.
Cumulatively, the Bank has sponsored/ co-sponsored
65 training institutes, which have trained 6.11 lakh
unemployed youth so far, with a settlement rate of 73%.
The Bank has donated a hi-tech, custom built, solar
powered Retail Mobile Marketing Van to assist women
entrepreneurs, SHGs and artisans to market their
products.
During the year, the Bank undertook a number of
activities for the benet of the communities as part of
CSR programmes.
46
 au q QnsUQzl - Uux Bxq
cMossmU u MsU es M 217 au q z mr
es xuk Emsok MUl M sL QnsUQzl - Uux
Bxqxx msO M qWiuM mUrel M zAi M
W | Cx mUrel M sai sapa 17.58 MUQ W | xjml
Mr mai mU W |
Aah es M 130 xMs q osMA M sL zcsr
lqh: oM l MmUO xqeM Sriu M iWi 26 Aah
es M mirM q 05 xMs q 3.52 MUQ sai x zcsr
lqh mUrel mrei Mr W | zcsr M lqh Mr
90 xMs q mU W cM W |
MlU u eri rel: MmUO xqeM Sriu mWs M
iWi pUi U Q. o AU AqoQMU M pupl es
u z M oRu Sl M sL aqh CsM M Alxci
ei/ elei M NA M ur xWri mWcl Wi
`MlU u eri rel' M zAi M aD j | mirM
aqh zZ M AkMU M Aiai 06 NA M
ur xWri mWcl Alur MU Sr ar j | M 5u
x 7u iM M N M sL xWri M Uz `2500 mi
N ij 8u x 10u iM M N M sL `5000 mi N
lkUi M aD j | uw M SUl 1.52 MUQ M Uz 3733
N M uiUi M aD W |
au M xqlui uMx: uzs aqh u Ak zWU aWM
AkU M krl q UZi WL oM l MlU aqSr rel M
iWi 65 au u 03 aS oxir M ElM xqlui uMx Wi
AaMi Mr W | Cl au M uMx M sL oeO AuOl
MU Sr ar W | oM xjD AkU mU mUrel csl M
sL mio W |
uMsa ur M oWiU eul el M sL xWri:
uMsa ur M xWri mWcl M sL xql ucU us
Lexr; ex LLsADLqxA (Mq Aa lqi) MlmU
M up m x xq sa M sL laQ, qkr mSz; xu
lMil, cUZQ UrmU q mzh xW Auxr usr M
xjml Wi Mqm sal, LYzl TU LosO QusmqO u
ClYsel (LLQ AD), lD Sss M MUrU uMx M M
xjml, xlWSm OxO M os Oxmxl CYumqO u uzw
znOurU U MlS U SWl M MmrOU mzh M sL,
MlU oM UWi u Msrh xqi oas M os Oxmxl
MlS Erl M sL xWri mSl MUi WL AlM Mrq
csL aL |
Bxqxx msO: oM l De-uoridation - Reverse Osmosis plants in villages:
The Bank has undertaken an ambitious project
of providing De-uoridation - RO plants for pure
drinking water facility in 217 villages of Kolar and
Chickaballapur districts. The estimated cost of the
project is about `17.58 crore. The installation work
is under progress.
Construction of Toilets for Girls in 130 Schools in Lead
Districts: The Bank has sponsored the project under
CSR for construction of toilets for girls in 5 Schools in
each of 26 Lead Districts at a cost of `3.52 crore. The
construction of toilet is completed in 90 schools.
Canara Vidya Jyothi Scheme: As a humble homage
to Bharat Ratna Dr B R Ambedkar and to encourage
education, a Scheme of extending nancial
assistance to SC/ST girl students from rural areas,
viz., Canara Vidya Jyothi Scheme was launched
under CSR initiative. Each rural branch of the Bank
was mandated to extend nancial assistance to
6 girl students of their command area. Amount
of assistance was xed at `2500 per student for
students of class 5th to class 7th and has `5000
per student for students of class 8th to class 10th.
During the year, an amount of `1.52 crore has been
disbursed to 3733 students.
Integrated development of villages: Keeping in
mind the vast rural and semi-urban client base, the
Bank has adopted 65 villages and 3 slums for their
integrated development under Canara Gramodaya
Scheme. Budgetary allocation for development
has also been made for these villages. The Bank is
committed to run the project on sustainable basis.
Support to persons with disability to lead a better
life: A number of programmes in association with
like minded agencies have been taken up to support
persons with disability like assistance to ALIMCO
(Articial Limb Manufacturing Company), Kanpur,
for conducting camps in Nagda, Madhya Pradesh;
Seva Niketan, Cherrikhedi, Raipur, for setting up
training centre cum residential school for differently
abled persons, Action for Ability Development &
Inclusion (AADI), New Delhi, for setting up of Career
Development Cell; Sneha Deep Trust for extending
Computer training to visually impaired with special
software and Braille transcription equipment, Canara
Relief & Welfare Society, Bengaluru, for upgrading
Braille transcription centre.
47
 eUiqS sa M xxu / Cse MUl M sL mii
eUiq
Axmis x EmMUh M ZUS M sL ur xWri:
xqe M AjM m x MqeU ua M Ua M Cse MUl
M sL laUM MlSi Axmis M xWri ex xu
Axmis AU lxeul QCoOe Axmis, erSu
CxOO BT MQruxMsU ul oasU M MQrM
Mj so M sL, us CxOO BT BTjsqse M
ADMrU rlO M luMUh M sL, uMOzuU UqlUrh
Cr xUMU Axmis imi M Lqosx, xuq uuMllS
aqh xuxjr SZps MlS, muaQ M qoCs Lqosx
M sL, xUMU Axmis LlMsq M slrU MxU EmMUh
CirS M sL xWri mSl M aD |
oM l qWiq ak U xoUqi Aq AWqSoS q xjmi
xqlj Nsr q mzhjr M qspi xukL mSl
MUl Wi `56 sZ M xWri mSl M W |
xucN usr Aprl: oM l iqslQ Uer M QQas
u qSU es M 200 xMs q zcsr M lqh Wi
5 MUQ AzSl Sl u xucN usr Aprl q xWpai
M sL pUi xUMU x CcN eiD W |
AjM m x mNQ mUuU M o M xWri M sL
zhM xxjl M olrS xuk mSl MUl M sL
xWri: es mzxl cMossmU, MlOM M qWs
Mse M lqh u es mxiMsr Wi, xUxui zz
qlSU xxjl qUP M S usr q MmrOU mSl MUl
ij xMs ox ZUSl Wi, MlU oM eos LQMzl TQ
oas M oM oM M xucsiMUh Wi, qssUq zz
uWU oasU M zh M irU MUl Wi, Mwh xql
xMs, siU, qWU M D - zh M irU MUl Wi,
aeUi Mqx Mse, AWqSoS M D - zh M irU
MUl ij Aeqmqe uusr, oas M qkrq x 25
xliMU N M Nu mSl MUl Wi ur xWri
mSl M aD |
xxSr xqi U lUh
uw M SUl xxSr rcM xqi, xxSr Aklxj ukl
xqi ij xxSr MqM xjr xqi, xuelM zMri
xjr xqi, uk u lrr xjr xqi, xxSr Uepw xqi
M ixU Em xqi AU Uepw Mrlurl mU xr Lu AsZ
xqi l oM M lUh Mr |
Extending nancial support for procuring equipments
by reputed hospitals to serve/treat deserving needy
people: Assisted citizen centric hospitals, like,
Sevakshetra Hospital and Jnanasanjeevini Diabetes
Hospital, Jayadeva Institute of Cardiovascular
Sciences, Bengaluru for Cardiac Cath Lab, Vittala
Institute of Ophthalmology for refurbishment of
Mobile eye care unit, Sri Venkateshwara Ramnarayan
Ruia Government Hospital, Tirupati, for equipping
with Ambulance, Swami Vivekananda Rural Health
Care centre, Pavagada for Ambulance, District
Hospital, Ernakulam, for Linear Cancer equipment
etc., treating patients from economically weaker
sections of the society.
The Bank has provided nancial support amounting
to `56 lakh for providing infrastructure to trainees
at Somnath Chhatralaya in Sabarmati Ashram,
Ahmadabad, started by Mahatma Gandhi.
Swachh Vidyalaya Campaign: The Bank has submitted
willingness to Government of India to participate
in Swachh Vidyalaya Campaign and contribute an
amount of `5 crore for construction of 200 toilets in
schools in the districts of Dindigul and Madurai of
Tamil Nadu State.
Supporting Educational Institution for development
of infrastructure for helping the children from
economically backward families: Financial assistance
extended to District Administration, Chikkaballapur,
Karnataka for construction of womens college
and District Library at Chikkaballapur; Saraswathi
Shishu Mandir Institutions, Meerut, for providing
computers to 2 schools and purchasing a school bus;
Canara Bank Jubilee Education Fund, Bengaluru for
automation of book bank; Malleshwaram Shishu
Vihar, Bengaluru for construction of class rooms;
Sri Kishan Somani School, Latur, Maharastra for
setting up e-class rooms; Gujarat Commerce College,
Ahmedabad for e-class; and scholarships to 25 Post
Graduate students through Azim Premji University,
Bengaluru.
Visits by Parliamentary Committees
During the year, Parliamentary Committees on Petitions,
Subordinate Legislation and Standing Committee on
Personnel, Public Grievances, Law & Justice visited
the Bank.
48
 xaPl AU xWri xuL ORGANISATION AND SUPPORT SERVICES

zZ lOuM Branch Network

xqmh pUi q Emxji M uxiU Expanding Pan India Presence

uw M SUl oM l lD 928 bUs zZL eQ aD W ij
eWxoa (Sh ATM) u lr rM (rLxL) q 2 uSz
zZL p Zs W | rj qc 2015 M oM M 7 uSz zZL
xWi 5682 zZL W |
During the year, the Bank opened 928 domestic
branches across the country and 2 branches overseas at
Johannesburg (South Africa) and New York (the USA). As
at March 2015, the Bank had 5682 branches, including 7
overseas branches.

zZ lOuM M xUcl Composition of Branch Network

zZA M xZr
uw M SUl No. of Branches Opened
h Category during the
31.03.2014 31.03.2015 Zs aL 31.03.2014 31.03.2015 year
qOmsOl 894 1004 362 Metropolitan 894 1004 362
zWU 928 1111 285 Urban 928 1111 285
Ak zWU 1484 1756 168 Semi-urban 1484 1756 168
aqh 1444 1804 113 Rural 1444 1804 113
uSz 5 7 2 Overseas 5 7 2
Ms zZL 4755 5682 930* Total Branches 4755 5682 930*

* uw M SUl il zZA M usr MU Sr ar | * 3 branches were merged during the year.

The Bank added 26 Specialized Branches during the year,
oM l uw M SUl 26 uzw zZL eQ W exx qc 2015 taking the total tally under the Specialized Branches to
iM uzwMi zZA M Ms xZr 288 W aD W | 288 as at March 2015.

uzwMi zZA M h 31.03.2015 Categories of Specialized Branches 31.03.2015

1. Lx Lq D 161 1. SMEs 161
2. qQ MmUO zZL 34 2. Mid Corporate Branches 34
3. xq u 19 3. Micro Finance 19
4. Axi uxs molkl 16 4. Asset Recovery Management 16
5. mCq MmUO 12 5. Prime Corporate 12
6. uSz 11 6. Overseas 11
7. Mw u 10 7. Agri-Finance 10
8. Alux pUir 6 8. NRIs 6
9. oci 5 9. Savings 5
10. AaM u 3 10. Industrial Finance 3
11. xOM LYxce 2 11. Stock Exchange 2
12. me oeU 2 12. Capital Market 2
13. qWs oMa 2 13. Mahila Banking 2
14. uMsa M sL zZL 1 14. Branch for Physically Challenged 1
15. uzwMi xUMU MUoU zZ 4 15. Specialized Govt Business Branch 4
Ms 288 TOTAL 288

49
uMsmM QsuU cls q mai
2014-15 M SUl 4021 MlS q Ts oM l UMQ 2221
LOLq Zs exx LOLq M Ms xZr 8533 W aD W |
UrMi oM M h q oM LOLq xZr q Auus W | oM
M QoO MQ AkU qc 2014 M isl q 1.51 MUQ x
oRMU 2.55 MUQ W aD W|
oM M crli zZA q LOLq, Aue lSzl xuk r
lMS eq MrxM, cM eq MrxM, mxoM xuqSh MrxM,
COUlO oMa Oqls, BlsCl OQa Oqls AU MmUO
uoxCO LYxx xuk us 132 WD OM D-sle MrUi W |
crli D-sle q COUYOu uQr xqqsl xuk p Emsok
MUr ar W |
oM U AmlL aL up uMsmM uiUh cls M mUhq
xum mNs uw M 43.84% M isl q rj qc 2015 M
D-slSl 50.21% iM oR ar |
aWM M AlMs xcl iMlM mWs
uw M SUl oM l aWM M xukj MD iMlM EimS /
xu Emsok MUL |
mrsO Mrlurl M sL D-MuDx M qkrq x xucsi
Zi Zsl M xuk mz Mr ar|
OosO mx M qkrq x, Oo oMa,
UWi Zi Zsl M xuk |
COUlO oMa q Aui eq oS MUl M xuk xqji
Mr ar |
mLqeQuD M Aji oq Su M sL mOs Emsok MUr
ar |
up aWM ZQ M AuzrMiA M mi M sL lD
mMU M MQ, ex m msOlq QoO MQ
mjq oM), uSz rr M xukj LMkM qS usO
r AiUr mmQ uSz qS MQ, MUoU QoO MQ
ij E qsrius aWM M sL MlU usQ lq x
mqrq QO MQ, Emsok MUr ar
MQkUM M xukj QO MQ M uiql olx mrO
M eaW mU MlU UuQ x rel |
MlU D ClToM - 8 r pwA (WlS, Aae, MQ,
iqs, qsrsq, isa, qUP u oas) q Emsok D mxoM,
e sMU oMa u D-sle sMOU ex uki xuA M
xj xp qoCs msOTqx mU Emsok W |
Progress in Alternate Delivery Channels
During 2014-15, the Bank added a record 2221 ATMs,
taking the total number of ATMs to 8533, spread across
4021 centres. The Banks ATMs strength was the highest
among nationalized banks. The debit card base of the
Bank rose to 2.55 crore compared to 1.51 crore as at
March 2014.
132 hi-tech e-lounges were functional in select branches
with facilities, like, ATM, Cash Deposit Kiosk with voice
guided system, Cheque Deposit Kiosk, Self Printing
Passbook Kiosk, Internet Banking Terminal, Online Trading
Terminal and Corporate Website Access. Interactive Video
Conference System was also made available at select
e-lounges.
As a result of various alternate delivery measures adopted
by the Bank, e-transaction ratio increased to 50.21% as at
March 2015 compared to 43.84% last year.
Customer-friendly InfoTech Initiatives
During the year, the Bank introduced several tech-
products/services for the convenience of the customers.
Automatic Account Opening through e-KYC released
for pilot implementation.
a xUsMi u Mae Tab Banking, a simplied and paperless account
opening facility through tablet PC released.
RD closure facility enabled in internet banking.
Portals for insurance claims under PMJDY released.
New Card variants introduced to cater to the
requirements of different segments of customers,
viz., Rupay Platinum Debit Card (rst bank to
introduce), International Travel Prepaid Card in
MQ (z MUlus foreign currency with multi currency wallet for the
convenience of foreign travellers, Business Debit Card
and Canara World, a premium Credit Card variant for
HNI Customers.
Canara Rewardz Scheme in lieu of the existing
bonus points for Credit Cards for the convenience of
the cardholders.
Canara e-Infobook, an e-passbook, extended to 8
regional languages (Hindi, English, Kannada, Tamil,
Malayalam, Telugu, Marathi and Bengali) in all
mobile platforms, with added facilities, like, locker
appointment booking and e-lounge locator.
50
 MlU Lq-usO-MQ UWi u lMS UWi slSl M sL 2
TYOU mqhMUh xqji qoCs Lmm e WuD, ox OMO
AUh, QOLc Uce ij os pail M urmM Ue q
xUi slSl xuk mSl MUi W |
zwUz mNiN, xmi uuUh, Lq-ml oSsu, lk AiUh
(ur x ur u ur x Zi) xuA M xj Ur
LMMi rLxLxQ msOTq (Llrrm) mU rLxLxQ xuL
xqji Mr ar |
sMU LYxx M sL orqOM mqhMUh
muxr M lMS AiUh M sL MlU De Mz mz Mr
ar |
MlU m-xu (Oc xl MrxM Almra)mz Mr ar |
LOLq Cxiqs MUi WL MQ M qkrq x Sz lk AiUh
xuk
mqO aOu xuA M sL 3 lL LaaOx ex qxx
LquOe, xOx m xsrzlx ij m O Lq M xj aPokl
Mr ar |
qxx os QxM M xj qsMU os pail M sL oM M
uoxO q LMs xOm xCO, ClxO m xqji Mr ar |
WlS u Aae M Asu r pwA (MQ, qsrsq,
iqs, isa, qUP, aeUi, meo) q LOLq slSl mc
M qSh
COUlO oMa q MmUO aWM M sL os pail xuk
xqji Mr ar |
ADLqmLx M qkrq x uSz AuM umwh xqji Mr
ar |
xunO
xunO slSl M sL LxLqLx AsO xqji Mr ar |
QoOLs (Lsme AlSl M xzki mir sp AiUh)-
uMsm I (Zi ukMUh) ij uMsm II (ALqx M Zi
uuUh M maWh / mxiiMUh) uMxi MUM eU Mr
ar |
LlAUDeL pail M sL AkU qma - aqh uMx
qsr U mwi TCs M mxxMUh AU xoLx mMe
q AkU mu xok elMUr M ukMUh u mwh M sL
xnOurU mMe uMxi MUM eU Mr ar |
MUoU xmMMi Oqls M qkrq x rADQLAD xirml
Cxiqs MUi WL D-MuDx xu xqji Mr ar |
Canara m-Wallet, a mobile app for cardless and
cashless transactions across the variety of merchants,
released with 2-factor authentication enabled for
customer convenience and safety for ight, bus
ticket booking, DTH Recharge and a wide range of bill
payments.
USSD Services enabled on National Unied USSD
Platform (NUUP) with the following services
Balance Enquiry, Mini Statement, Change M-Pin,
IMPS Funds Transfer (Person to Person and Person to
Account).
Biometric authentication for locker access.
Canara easyCash released for cash transfer to migrant
population.
Canara P-Serve (Touch Screen Kiosk Application)
released.
Domestic funds transfer facility through card using
ATMs.
Tied up with 3 new Aggregators, viz., M/s EmVantage,
M/s Citrus Pay Solutions and M/s PayTM for Payment
Gateway Services.
Enabled one stop site for bill paymentInstaPay in
the Banks Website, in tie-up with Aggregator M/s
Billdesk.
Printing of ATM receipts in any 3 languages (English,
Hindi and regional language).
Bill payment facility enabled for corporate customers
in internet banking.
Foreign Inward Remittance through IMPS enabled.
SMS Alert for SWIFT transactions enabled.
DBTL (Modied Direct Benet Transfer of LPG
Subsidy) both Option I (Account Validation) and
Option II (capturing/ submitting account details to
OMCs) developed and released.
Aadhaar Mapping for NREGA Payments, Software
Package for processing les sent by the Ministry
of Rural Development and validating and sending
Aadhaar seeding entries to the CBS developed and
released.
e-KYC Service using UIDAI verication enabled
through Business Correspondent Terminal.
51
 Sz aWM u Alux aWM M Zi zw ell M Missed call to 092892 92892 to know account balance
sL qx Msx xZr qz: 092892 92892 u 9192892 for domestic customers and 9192892 92892 for NRI
92892 ij Aiq il slSl xok elMU M sL qxQ customers and missed call to 092891 92891 to know
Ms xZr 092891 92891 eU W ij sMmr olr e last 3 transactions continued and popularized.
UW W |
Compliance to International Standards
AiUr qlM M Almsl
The Bank has fully implemented the recommendations of
oM l xcl xU, DsYOlM oMa, iMlM eZq molkl the RBI Working Group (Chairman, Shri G Gopalakrishna)
u xCoU kZkQ M sL pUir Ueu oM MrMU xqW on Information Security, Electronic Banking, Technology
(Akr- e amsMwh) M xTUz M mhmh sa Mr Risk Management and Cyber Frauds. The Bank obtained
W | oM l 12.04.2014 M ADLxA 27001:2013 mqhMUh the ISO 27001: 2013 Certication on 12.04.2014.
mmi MU sr W |
Manpower Prole
elz mTCs
As at March 2015, the Bank had 53984 employees on its
rj qc, 2015 M oM q 53984 MqcU j | rolls.
qc 2014 qc 2015 March 2014 March 2015
MqcUr M Ms xZr 48794 53984 Total No. of Employees 48794 53984
AkMU 20878 23372 Ofcers 20878 23372
YsM 18770 20268 Clerks 18770 20268
Aklxj MqcU* 9146 10344 Sub-Staff* 9146 10344
*AzMsM MqcU xWi (mOD) * includes part-time employees (PTEs)
The Banks staff comprised 43% Ofcers, 38% Clerks and
oM M MqcUr q 43% AkMU, 38% smM u 19%
19% Sub-Staff. Women employees comprising 15303
Aklxj MqcU W | qWs MqcU 15303 W e oM M Ms constituted 28% of the Banks total staff. The total
MqcUr M 28% W | qc 2015 M pimu xlM MqcUr number of ex-servicemen staff as at March 2015 stood at
M Ms xZr 546 W | oM M Us mU uMsa MqcUr M 546. There were 1123 Physically Challenged Employees
xZr 1123 W | on the rolls of the Bank.

uw M SUl, oM l 8296 urr M up MQU q lr During the year, the Bank recruited 8296 persons in
various cadres, out of which, 1762 belonged to Scheduled
Mr W, exq x 1762 Alxci ei (Lxx) x xoki W u
Castes (SCs) and 571 to Scheduled Tribes (STs) categories.
571 Alxci el ei (LxO) x xoki W | Cxq uw M SUl This includes 546 ex-servicemen recruited in various
up MQU q lr WL 546 pimu xlM p zqs W | cadres during the year.

uw M SUl up MQU M iWi 2544 qWs MqcU lr 2544 women employees were recruited and 503 women
WD AU 503 qWs MqcU mSi WD | employees were promoted under various cadres during
the year.
Lxx u LxO M xok q AUh li Reservation Policy in respect of SCs and STs
rj qc 2015 M, Alxci ei u Alxci el ei M As at March 2015, the number of Scheduled Castes and
Ms xZr oM M Ms MqcU xZr M 26.76% W | qc Scheduled Tribes together constituted 26.76% of total
2015 M oM M MqcUr q Lxx / LxO M xrel staff strength of the Bank. The composition of SC/ST
lqlsZi W: employees in the Bank as at March 2015 is as under:
MQU Alxci ei Alxci el ei Cadre Scheduled Castes Scheduled Tribes
AkMU 4105 1631
Ofcers 4105 1631
YsM 3829 1212
Aklxj MqcU Clerks 3829 1212
3120 547 Sub-staff + PTEs 3120 547
+ mOD
Ms 11054 3390 Total 11054 3390

52
pUi xUMU M SzlSz AlxU Alxci ei u Alxci
el ei M xok q oM AUh li M xZi x Almsl
MUi W |
(M) AUh li mS AkUi UxOU M i M qkrq x Mrlui
WA W | u qsr, pUi xUMU M SzlSz AlxU
oM l xp MQU Wi mS AkUi UxOU M i mU xuc
AuU MU sr W |
(Z) xUMU M SzlSz AlxU Alxci ei u Alxci
el ei us Aprjr M xok q xk pi M xj-xj
mSi Wi p oM l AUh / Urri / NO mSl M W |
(a) Alxci ei u Alxci el ei us Aprjr M
mu-lr u mu-mSi mzh Sr ei W | smM
u AkMU xua q pi Wi m Aprjr x AuSl
qalus uml q Lxx/LxO/mQosrQ/AsmxZrM
xqSr/pimu xlM Aprjr M mu-lr mzh SL
el M xok q LM uzw xSp Sr ei W | Clq x u
Aprj, elWl mulr mzh M uMsm cl W, M
sZi mU u xiMU Sl M sr mzh Sr ei W
| mzh M Auk 2 xmiW M W | Akrrl xqa, lOoM,
xOzlU xp Aprjr M l:zsM Sr ei W | eW p
xpu W, xoki Uer xUMU p xUMU / mNQ ua M
WxOs q UWl M xuk Emsok MUi W |
(b) oM l UxOU M AlUh M u AUh li M Alr mWsA
M Mrlurl M xli MUl Wi mkl Mrsr q AU
xj W Acs Mrsr q p Lxx / LxO M xjmi
Mr W |
(X) AUh li M Mrlurl M xli MUl Wi mkl
Mrsr q qZr xmM AkMU M lqMi Mr W AU
Acs Mrsr q p xmM AkMU M lqMi Mr ar
W | Aa, mir m x r i Lxx/LxO xb M qkrq x
Alxci ei / Alxci elei x mmi ApruSl mU
qZr xmM AkMU/xmM AkMU U krl Sr era |
eW p AuzrM W, AuzrM mNiN M era u Emr
MruW M era | Alxci ei / Alxci el ei
x mmi up ApruSl M UMQa Wi LM Asa x
UexOU UZ ei W AU M ar MruW M p UexOU q
lO Mr ei W |
The Bank has been strictly adhering to the Reservation
Policy in respect of Scheduled Castes and Scheduled
Tribes as per the Government of India guidelines.
(a) Reservation Policy is implemented through
mechanism of Post Based Rosters. In terms of the
directives of the Ministry of Finance, Government
of India, Bank has since switched over to Post Based
Rosters for all cadres.
(b) The Bank has been extending Reservation/
Relaxations/Concessions in Direct Recruitment
as well as in promotions to candidates belonging
to Scheduled Castes and Scheduled Tribes as per
guidelines.
(c) Pre-recruitment and pre-promotion training is
given to candidates belonging to SC/ST. In the
Advertisement inviting for the application from the
eligible candidates for recruitment to Clerical and
Ofcer Cadres, a specic reference is made with
regard to imparting of pre-recruitment training
to candidates belonging to SC/ST/PWD/Minority
Communities/Ex-SM. Such of those candidates, who
opt for pre-recruitment training are given training
to prepare themselves for written test as well as
interview. The duration of the training, is upto two
weeks. Study materials, note book, stationeries are
provided free of cost to all the participants. Wherever
possible, respective State Governments are also
providing the Lodging Facilities in Government/
backward class hostels.
(d) The Bank has setup SC/ST Cell at the Head Ofce
and also at Circle Ofces to ensure maintenance
of Rosters and implementation of other aspects of
Reservation Policy.
(e) Chief Liaison Ofcer has been nominated at Head
Ofce and Liaison Ofcers have been nominated
at Circle Ofces for ensuring implementation of
Reservation Policy. Further, representations received
from Scheduled Caste / Scheduled Tribe employees,
either directly or through the SC/ST Associations, are
being looked into by the Liaison Ofcer/Chief Liaison
Ofcer. Wherever required, necessary enquiries
are conducted and appropriate action is taken. A
separate register is maintained for recording various
representations received from Scheduled Caste/
Scheduled Tribe employees and the action taken is
also recorded in the register.
53
 EmU M Asu, Alxci ei / Alxci el ei
MqcU M milkr M oM M qZr MrmsM M xj
iqW oPM Wi osr ei W eW AUh li mU
SzlSz M Mrlurl mU mUcc M ei W | Acs
Mrsr q p iqW oPM M ei W eW UxOU UZ
ei W u rS MD zMri W i xmM AkMU U ExM
luUh Mr ei W |
(c) oM M lSzM qQs p AUh li q WL Mrlurl mU
A uwM u uwM AkU mU xq MUi W |
qlu xxkl uMx (LcAUQ) aiukr
oSsi WL oMa mUSzr M AlMs Wl Wi oM M qlu
xxkl lir M mUuii Mr ar W | TO sCl MqcUr
q uruWUM mUuil sl Wi LcAU mWs ex xnO Mzs
mzh Mrq AU mii xxjl M qkrq x MrmsM
M xuUl ij Alr qWiumh LcAU Osx ex xOQ xMs,
MqcU oPM u qxiwM qjl x M mpu Oq lqh AU
xqWM EiMi M oRu Sl M sL Mrlui Mr ar |
MqcUr M qlos M oRu Sl M sL AU ElW oMa M
up mWsA x zi MUl M sr up MmUO xmwh of banking.
M sr ar W |
oM l uxii mzh mrA M EeaU Mr W e AiUM
mzh, o mzh, Cl-Mml mzh u uSz mzh M
MuU MUi W | AiUM m x, oM M oasU q MqcU mzh
qWusr W AU 23 r MqcU mzh qWusr W |
uw M SUl oM l xZ ApqZMUh, umhl Mzs,
AkMUr, Mw uxiUh AkMUr u uzw AkMUr Wi
muz Mrq M MuU MUi WL 66052 MqcUr M mzi
Mr W | mzi MqcUr q x 12550 ur Alxci ei
ua x xoki W, 3963 ur Alxci elei ua x xoki
W | Ms mzi MqcUr q x 21797 qWs MqcU W |
oM l MD lr mzh Mrq mri u Mrlui Mr W ex
kZkQ eaMi u luUh, mjqMi xZ, aqh uMx
u ur xquzl, LqLxLqD, xu qqs, xo SzlSz mU
Almsl, MU oMa x mU - aWM uzswM AS |
oM l LM lM Mrq M Msml M rj, mip oM (OsO
oM) e mWcl Mr ar 10 q Mq MUl Wi xqlr
AkMUr M xq ollus Mrq W | Al us uw q
oM M krl Emr mip molkl u miTs mhs M xjml
MUl Wa | xpui liA M mWcll u Eiq Sriu sl
Wi ElM xuUl M sr Px mrx Mr era |
In addition to the above, the representatives
of majority Scheduled Caste / Scheduled Tribe
Employees Association are invited for Quarterly
Meeting with the Chief Executive of the Bank to
discuss on the implementation of guidelines on
reservation policy. Quarterly Meetings are also held
at Circle Ofces, where Rosters are maintained and
grievances, if any, are redressed by the Liaison Ofcer.
(f) The Board of Directors of the Bank also review the
progress made in the implementation of Reservation
Policy, half yearly and yearly.
Human Resource Development (HRD) Activities
The HR policies of the Bank have been revisited to suit
the changing banking scenario. HR initiatives, like, soft
skill training programme for bringing attitudinal change
among front line staff, Executive grooming through
reputed institutes and other signicant HR tools, like,
Study Circles, Staff Meetings and Brain Storming Sessions
have been implemented for effective team building
and fostering collective excellence. Various Corporate
Communications are brought out to boost the morale
of the employees and educate them on various facets
The Bank has in place exhaustive training processes that
cover Internal Training, External Training, In-company
Training and Foreign Training. Internally, the Bank has
Staff Training College at Bengaluru and 23 Regional Staff
Training Colleges.
The Bank trained 66052 employees during the year,
covering a wide range of functional areas including Credit
Orientation, Marketing Skills, Induction Programme for
Ofcers, AEOs and Specialist Ofcers. Out of the trained
staff, 12550 personnel belonged to the Scheduled Caste
category, 3963 belonged to the Scheduled Tribe category.
The total employees trained include 21797 women
employees. The Bank designed and implemented several
new training programmes, including Fraud Awareness
and Prevention, Priority Credit, Rural Development and
Financial Inclusion, MSME, Service matters, Compliance
on SEBI guidelines and beyond Core Banking - Customer
Analytics.
The Bank envisioned a novel programme, viz., Talent
Bank to provide opportunities for generalist ofcers to
assume the role of specialists in 10 identied streams.
Establishing a proper Talent Management and Reward
System will be the Banks focus in the coming years. There
will be concerted efforts to identify potential leaders and
groom them to take up higher responsibilities.
54
Aa, up mii xxjl ex M ADADLq, ADQAUoO,
xLo (AUoAD), LlADoLq, ADLqAD, LYxLsAUAD,
ADADxL, xs u LxADoLxOx mU MlSi krl u
AuzrMi AkUi mzh M qkrq x Mros M Si
oRl M sL oM M mrx eU W | xulkUi Mrq p
Arei Mr ar W iM MN As q rj, xZ, eZq
molkl, Mw mUcsl u xcl maM q uzwi M uMx
Mr e xM |
uU molkl xiU / Eiq molkl xiU M MrmsM Wi
AuzrMi M AkU mU uzw mzh M Arel Mr ar |
oM Aml AkMUr M Mzs xiU q mzh Wxim u ElW
luMi iMi u EixW M xj lwmSl MUl M sr mixWi
MUl M qkrq x MT WS iM raSl MUl q xTs UW W |
qlu xxkl mU lSzM qQs M Em xqi M, qlu xxkl
lir M xq u xkU MUl Wi AU MqcUr M Mr mWs
M xui MUl Wi xfu Sl M sr, aPi Mr ar W |
xaPliqM mUZ u mpui q mUuil
oRi WL MUoU eOsi ij MN mqZ MrMU mU
AkM krl Sl M AuzrMi M krl q UZi WL mkl
Mrsr M upa u Acs M mlaPl / mllqh Mr M undertaken. Post-reorganization, there are 23 Wings in
Mr ar | mlaPl M mi mkl Mrsr q 23 upa W |
MrMU EiMi Wi xaPliqM QeCl u xUcl M lUiU
AkU mU SZ ar ij Akrrl Mr ar | zZA u aWM
xu M xTiSrM olMU, zZA x o oRMU, UoxO
Axi AkU M u MUM u mUcsl qQs q xkU ex
MD uwr mU krl MlSi MUl M U oM M MrMsm MUl
M Ezr x oM l mUrel zZU' M zpUp Mr W | Cx
mUuil q oM M xWri asos molkl mUqzS Tq rj,
qxx oxOl mUqzS xqW (pUi) mCuO sqOQ (oxe)
MU UW W |
umhl AU mcU
oM l umhl M AU qeoi oll M sL uw M SUl MD
uzw MqM M xaPl x eQ AU LM mpu Aah mokl
mhs M xj, xp Acs Mrsr q uzw umhl MrmsM
U mrui umhl Alpa M aPl Mr | uw M SUl MD
Aprl M qkrq x oM M EimS M ur u mi o MUl
M sL umhl Rc l MD mWs M |
oM l Aml oQ Nu M AU oRl M sL uw M SUl MD
lL EimS AU xuA M sL mcU Aprl M zpUp Mr
AU uml, xqeM qQr AU umhl xmM ex xp
xkl M mpu Cxiqs Mr |
Further, the Banks quest to enhance the competencies
of the workforce continued through focused and need
based trainings at various institutes of repute, like,
IIMs, IDRBT, CAB(RBI), NIBM, IMI, XLRI, IICA, CRISIL and
SIBSTC. Customized programmes are also organized to
develop expertise in certain niche areas like Credit, Risk
Management, Treasury Operations and IT.
Specialized trainings to the Senior Management Level/
Top Management Level Executives are conducted based
on the requirement. The Bank has been able to add
substantially to the skill level of its ofcials through
training intervention and motivating them to perform
with renewed vigour and enthusiasm.
A Sub-Committee of the Board of Directors on HR is in
place to review and improvise the existing HR policies
and make suggestions to accelerate the employee
engagement initiatives.
Changes in the Organizational Setup and Effectiveness
Keeping in view the increased business complexities
and the need for imparting more focus on certain
key functional areas, the re-organization/re-aligning
functions of Wings at Head Ofce and Circles was
Head Ofce.
The organizational design and structure are continuously
revisited and studied for functional excellence. The Bank
launched Project Shikhar aimed at rejuvenating the
Bank by focusing on several themes, like, energizing
branches and customer service, increasing sales from
branches, growing a robust asset base and revamping the
operating model. Global Management Consulting rm
viz., M/s Boston Consulting Group (India) Private Limited
(BCG) is assisting the Bank in this transformation.
Marketing and Publicity
The Bank further strengthened marketing vertical during
the year by inducting specialized personnel into the setup
and also establishing marketing sections in all Circle
Ofces overseen by dedicated Marketing Executives, with
an effective lead management system. Marketing set
up has taken initiatives in cross selling and up selling of
Banks products by launching several campaigns during
the year.
The Bank also launched publicity campaigns for its
several new products and services introduced during the
year and used effectively all channels of communication,
including advertising, social media and marketing
collaterals to enhance its brand image.
55
aWMlqZi
iuUi xu Emsok MUl, uukMi EimS / xuL Sl, aWM M
mN-iN M euo u aWM M zMri M luUh MUl M U
oM aWM M AmA M Alm MSq EPi W| oxLxoAD
U eU M aD aWM M mi mioi xWi'' AU xzki
laUM cOU'' oM M uoxCO mU Emsok W| zZA U S
el us aWM xu M qsrMl MUl AU ExM mixcl
mmi MUl M sL oM M uoxCO q LM aWM xi xuh
mm'' Emsok MUD aD W| aWM x xfu mmi MUl M sL
uw M SUl 15.11.2014 x 30.11.2014 iM aWM mZuQ M
Arel Mr ar |
SqSUl xqi M Alzx M AlxU oM l SlM 31.08.2013
M qZr aWM xu AkMU (xxLxA) M lr Mr W e
oM M AiUM sMms M iUW Mq MUa |
Ms xOU, LMs xmM xZr 1800 425 0018 M xj WlS
AU Aae pw M Asu 6 r pwA rl oas, MQ,
qsrsq, qUP, iqs AU isa q aWM M zMri luUh
xuL Emsok MUi W | uw M SUl mmi Ms sapa 21.59
sZ j AU aWM zMri luUh M mizi 98% UW| oM l
MlU xuelM zMri luUh mhs mOs M iWi uoxCO
q zMri BlsCl Se MUl M sL BlsCl zMri luUh
xuk Mrlui M W| Ms xOU q mmi zMri M p
xmeAULx mMe M xj LMMi Mr ar | uw M SUl
2221 zMri xmeAULx q meMi ML aL ij xp
zMri M lkUi xqr xq M ASU luUh p Mr ar |
mzl xcsl M sL ij mzl xok zMri M luUh M
sL MlSMi mzl mxxMUh M M aPl Mr ar W | Zi
Zsl M sL p clS eaW mU MlSMi mxxMUh MlS M
xjml M W |
uw M SUl, MsU, AsaR, AaU, MroU, SQas, zZmU,
qSU, il, MsMO, qsmmUq, cUrmh ij zMUmU q
pUir Ueu oM u oxLxoAD oMa sMms M xrel
q OEl Ws aWM oPM' M Arel Mr ar |
uw M SUl oM l mNs uw M 1265 zMri M xj 108836
zMri (98214 LOLq xoki, 1553 sMms qqs, Emp
Customer Orientation
Several initiatives were taken to remain customer
focussed through providing fast service, bringing in
diversied products/services, responding to customers
queries and redressal of customer complaints. The Code
of Commitment to Customers issued by the Banking
Codes and Standards Board of India (BCSBI) and Revised
Citizens Charter are available in the Banks website.
To assess the quality of customer service rendered by
the branches and to get the feedback, a Customer
Satisfaction Survey Form is available in the Banks
website. Customers fortnight was conducted from
15.11.2014 to 30.11.2014, inviting suggestions from
customers.
As per Damodaran Committee Recommendations, the
Bank has appointed a Chief Customer Service Ofcer
(CCSO) on 31.08.2013, who shall act as an Internal
Ombudsman of the Bank.
Call centre with single point contact Toll free number
1800 425 0018 is functioning to cater to customers in
6 regional languages of Bengali, Kannada, Malayalam,
Marathi, Tamil and Telugu, besides Hindi and English for
redressal of grievances. The number of calls received by
the Call Centre during the year was around 21.59 lakh
and percentage of complaints redressal was 98%. The
Bank has implemented online grievance redressal facility
of customers in the website for lodging grievances online
under the portal Canara Public Grievance Redressal
System (CPGRS). The complaints received at Call Centre
were also integrated with CPGRS package. During the
year, Call Centre registered 2221 grievances in CPGRS
and all grievances were redressed as per prescribed
time norms. Centralized Pension Processing Cell has
been established exclusively for handling pensions and
resolving pension related grievances. Central Processing
Centres are established at selected places for account
opening purposes.
During the year, Town Hall Customers Meet was held at
Kolar, Aligarh, Agra, Coimbatore, Dindigul, Sheikhpura,
Madurai, Theni, Calicut, Malappuram Channarayapatna
and Shikaripura in association with the Banking
Ombudsman, RBI and BCSBI.
With the opening balance of 1265, the Bank received
108836 complaints during the year (including 98214
56
uuS luUh TUq q se ML aL 86 qqs, xUMU mOs ATM complaints, 1553 Banking Ombudsman Cases, 86
xmeAULLqLx M qkrq x 455 AU 8528 xqlr zMri) Cases lodged at Consumer Dispute Redressal Forum,
mmi ML, exq x 98.6% M luUh ML aL | 455 complaints through Government Portal CPGRAMS
and 8528 General Complaints), of which, 98.6% of the
mi Lu mrL complaints were redressed.
uw M SUl, Bl xCO AU.o.AD.L. M sL crli 2551 Systems and Procedures
zZA / CMCr q eZq AkUi AiUM sZmU (AU. Risk based Internal Audit (RBIA) was conducted in all the
o.AD. L.) xmll M ar / AU.o.L.AD. M xj-xj xcl 2551 branches/units programmed for onsite RBIA during
xU sZmU p xmll M ar / eqA M 71.97% AU the year. Information Security audit was conducted
Aaq M 76.26% M muUi MUi WL 754 crli zZA / along with RBIA. Concurrent/continuous audit was
CMCr q xaq / AuUq sZmU xmll M ar exq conducted in 754 branches/service units, of which 177
x 177 CMCr AiUM sZmUM U xaq / AuUq units were subjected to concurrent/continuous audit by
internal auditors and 577 branches / service units
sZmU M Akl W ij 577 zZL / CMCr o
were subjected to concurrent audit by external auditors,
sZmUM U xaq sZmU M Akl W - 551 zZL covering 71.97% of deposits and 76.26% of advances.
Ar / Uexu sZmU M Akl W exq iqW AkU mU 551 branches were subjected to income/revenue audit,
Ar sZmU M sL crli zZL p zqs W | oxi which included branches identied for income audit on
xP M Akri q xuelM M oM q AiUM u xaq quarterly basis. The Bank ensured full implementation of
sZmU mhs mU aPi xqi M xTUz M oM l mh the recommendations of the Committee on Internal and
m x Mrlurl xli Mr ar W | Concurrent Audit Systems in Public Sector Banks under
the Chairmanship of Shri Basant Seth.
zZA M AU.o.AD.L. M sL uo AkUi mMe M zpUp Web based package for RBIA of branches introduced.
Mr ar W mMe x, ol Mx qlur Wxim M zZA The package arrives at the Risk Rating of the branches
M xui W eZq hMUh lkUh Mr ei W MlU oM El automatically, without manual intervention. The Bank
oM q x LM W exl oxi xP xqi M xTUz mU is one of the few banks to introduce web based package
uo AkUi mMe M sa Mr W | oM l sZmU Mr M as recommended by the Committee on Internal and
Concurrent Audit Systems in Public Sector Banks. The
sL xulu AkMUr M xc q xqqsi Mr AU xjl
Bank has empanelled retired Ofcers for audit works and
mU W xkU MUl ij Ar Uxu M mi sal M sL mixWl also introduced incentive scheme for Spot Rectication
rel p sa Mr | and Detection of Income Leakage.

Aml aWM M elL (M.uD.x.) Know Your Customers (KYC)

oM U Aml aWM M elL (M.uD.x.), kl zkl luUM
(L.Lq.Ls.), AU AiMuS umwh x lmOl (x.LT.O.) M
mpu Mrlurl Wi upll Emr Mr ar |
MN mqZ Emsokr Lu Mr ar mWs lqllxU W:
rj 31.03.2015 M oW aWM ADQ M Q-QmsMzl
Mr M mU Mr ar |
MuDx / LLqLs / xLTO SzlSz M Almsl
xli MUl Wi mhs ec / xukl Emsok W |
SzlSz M eU MUM ij xqrM mzh M qkrq
x zZ MqcUr M E M xok q Auai MUr ar |
Acs Mrsr q MrUi MuDx / LLqLs / xLTO M
lQs MrmsM M zZA q E M Almsl xli
MUl M sL MrzsA M qkrq x SzlSz M Auai
MUr ar|
The Bank took various measures for the effective
implementation of guidelines on Know Your Customer
(KYC), Anti Money Laundering (AML) and Combating
Financing of Terrorism (CFT).
Some of the major achievements and initiatives taken
were as under:
Deduplication of multiple customers IDs completed
as on 31.03.2015.
System checks/enhancements are put in place to
ensure compliance to guidelines on KYC/AML/CFT.
Branch staff were sensitized by way of issuance of
guidelines and periodical training.
Nodal Executives for KYC/AML/CFT at the Banks
Circle Ofces were sensitized on guidelines by
arranging workshops and to ensure compliance at
branches.

57
BT xCO laUl:
LM xuxj BT xCO Almuil mhs (ixU AZ
mruh) M zAi M ar iM x.o.Lx. M Emra
MUi WL QxMOm sZmU M qkrq x sapa iiMs
AkU mU BT xDO slSl M Almuil Mr e xM |
xiMi uruxj
oM M xiMi upa M liiu qW mokM h M qZr xiMi
AkMU U Mr ei W AU ElM xqjl mkl Mrsr,
xp Acs AU r aqh oM AU oM M Alwar M
xiMi AkMUr U Mr ei W | xiMi upa M Ezr
Alzxl u uMx M xli MUl ij WqU oM M qWl
FcCr iM s el W |
oM M xiMi mokl q, luUM, xWpai u SQiqM Mr
zqs W, exM Ezr xui, lwm, u xuxj uiuUh xli
MUl W e xaPl M xuah uMx M sL AlMs W | ClW
sr M Amlr ar ij up xkl u cls M qkrq x
xqji Mr ar W |
xiMi eaMi Aprl M Az M m q, MlSr xiMi
Ara M lSz M AlxU, oM U SlM 27 AYioU 2014 x
01 luoU 2014 iM "pcU x xbw maM M xqjM M
pqM" uwr mU AkM krl M xj xiMi eaMi xmiW
M Arel Mr ar | m.AU uMO Uu, Em Msmi, CQr
rluxO lzls s xMs, oas l SlM 31 AoU, 2014
M oM M xp uU MrmsM ij MqcUr M xoki
Mr |
luUM, ZTr AU xfSU xiMi q xiMi AkMUr M
Mr / pqM M oU q eaMi sl ij xiMi AMwi
MUl us zMri / qqs M iUi lmOl q xoki Alpa
x AukM Aluil MUl Wi, oM M xiMi AkMUr M
eaM oll M sL SlM 03.11.2014 M r MqcU
mzh qWusr, aQau q xiMi AkMUr M xqqsl
Arei Mr ar |
uw M SUl oM oM M mir Lu mrA q lUiU xkU
xWi oMa M xp M zqs MUi WL luUM xiMi''
mU AkM os Sr ar |
Off Site Monitoring:
A robust Offsite Transaction Monitoring System, (the
third eye supervision) introduced, which monitors
the transactions off-site on a near real time basis
through desktop audit by leveraging Core Banking
System (CBS).
Vigilance Setup
The Vigilance Wing of the Bank is headed by the Chief
Vigilance Ofcer (CVO) in the rank of a General Manager.
The CVO is assisted by the Vigilance Ofcers stationed
at Head Ofce, all Circle Ofces, RRBs and the Banks
Subsidiaries. The objectives of the Vigilance Wing are to
ensure that discipline and development go in tandem
and help the Bank to reach greater heights.
Vigilance Management in the Bank include preventive,
participative and punitive functions, with an objective
to ensure free, fair and healthy environment, which is
conducive for all round growth of the organization. These
goals are pursued and promoted through various means
and channels.
As a part of the Vigilance Awareness campaign and in
conformity with the directives of the Central Vigilance
Commission, the Bank observed Vigilance Awareness
Week from 27th October 2014 to 1st November, 2014,
with focus on the theme- Combating Corruption,
Technology as an enabler. During the Vigilance Awareness
Week, on 31st October, 2014, Prof. R Venkata Rao, Vice
Chancellor, National Law School of India University,
Bengaluru, addressed all the senior functionaries and
other employees of the Bank on the theme.
Vigilance Ofcers Conference was held at RSTC, Gurgaon
on 03.11.2014 to sensitize Vigilance Ofcers of the
Bank about the functions/roles of Vigilance Ofcers in
Preventive, Detection, Proactive, Participative Vigilance
and periodic follow up with the concerned Sections
in speedy disposal of complaints / cases, attracting
vigilance angle.
During the year, thrust has been given to preventive
vigilance, covering all the areas of banking, including
systemic improvement in the laid down systems and
procedures of the Bank.
58
xU uru
uruxj
xj
Ms 47 Acs Mrsr M 5675 zZA AU 99 qS ieUr
q x oM l 77 zZA M Ecc eZq, 1529 zZA M
qkrq eZq AU 4069 zZA M Mq eZq us zZA
M m q mWcl M W | xukM Sz-lSz M AlxU xU
AkMUr U Cl zZA M SU Mr ar |
xp zZA q x.x.O.u. sar ar W |
L.O.Lq q AiUM lqi x.x.O.u. M AiU 1651
L.O.Lq q Asa x x.x.O.u. saL aL W |
SzpU M 3782 L.O.Lq mU ZiU M xpul M qleU
le xU aQ M UZ ar W |
mUuz q xkU
uw M SUl oM M 752 zZA q mUuz xkU Mr MUr
ar AU cs uiir uw M SUl zw 528 zZA q rW Mr
mU Mr eLa - zZU mUrel'' M iWi 550 zZA M
sAFO M OMl mSzl uruxj M xj LMs ZQM xu
M sL mUuii Mr ar | msZ QeOsMUh M zpUp
mxiui W e mUuz q AU p xkU sLa |
xcl M AkMU
xcl M AkMU Aklrq 2005 M iWi, oM l xcl
Sl ij mUSzi sl M sL LM Allr xcl M AkMU
Aklrq MlS M xjml M W | xcl M AkMU Aklrq
M AuzrMi M AlxU AuSM M xcl Emsok MUl M
sL MlU oM l Aml xp 47Acs q el xcl AkMUr
ij Amsr mkMUr M lqi Mr W | uw M SUl xcl
M AkMU Aklrq, 2005 M mukl M AlxU oM l 2827
xcl M AkMU AuSl, 503 mjq Ams ij 88 ir
Ams mmi M |
Uepw M Mrlurl
xqkl uw M SUl, oM l Uepw Mrlurl M
Aiai xUWlr mai M W AU upll xiU mU MD mUxMU
mmi ML |
rj qc 2015 M sapa 98% MqcUr l WlS q MrxkM
l Wxs Mr W AU Uepw lrq 1976 M lrq 10(4) M
Akl 3300 zZA M oM l Akxci Mr W | WlS q
MrxkM l mmi oM M xp MqcUr M WlS Mrzs employees of the Bank possessing working knowledge of
q mzi Mr ar | xqkl uw M SUl oM U Lx
MqcUr M sL 380 x AkM mlzcr mzh Mrq
Arei Mr ar |
Security Arrangements
Out of 5675 domestic branches and 99 currency chests in
47 Circle Ofces, the Bank identied 77 branches as High
Risk, 1529 branches as Medium Risk and 4069 as Low
Risk. These Branches were periodically visited by Security
Ofcers as per statutory guidelines. All the sensitive
currency chests were visited by the Chief Security Ofcer
during the year.
The following measures were initiated based on the
instruction from RBI and State Police Authorities.
All branches were provided with CCTVs.
1651 ATMs provided with stand alone CCTV in
addition to the inbuilt CCTV in the equipment.
3782 PAN ATMs guarded with Private Security Guards
based on the threat perception and police authorities.
Ambience Improvement
During the year, ambience improvement work was carried
out in 752 branches of the Bank and the remaining 528
branches will be completed during the current nancial
year. Under Project Shikar 550 branches layout were
transformed for single window service along with token
display arrangements. Digitalization of the records is on
the anvil, which will further improve the ambience of the
branches.
Right to Information
Under the Right to Information Act, 2005, an exclusive
Right to Information Act outt is functioning to
provide information and bring transparency. As per the
requirement of the RTI Act, the Bank has nominated
Public Information Ofcers and Appellate Authorities
at Head Ofce and in all its 47 Circle Ofces to provide
information to the applicants. During the year, the Bank
received 2827 RTI applications, 503 First Appeals and 88
Second Appeals as per the provisions of RTI Act, 2005.
Implementation of Ofcial Language
The Bank made noteworthy progress under the
implementation of ofcial language and won many
prizes at various levels during the year under review.
As at March 2015 around 98% of employees have obtained
working knowledge in Hindi and the Bank has notied
3300 branches under Rule 10(4) of OL Rules 1976. All the
Hindi have been trained in Hindi workshops. During the
year under review, Bank has conducted more than 380
refresher training programmes for such employees.
59
xcl maM M q Uepw M Aqs MUl Wi oM l
rlMQ'' M mra oRr AU oM M L.O.Lq. xl q 10
pUir pwA q slSl M mukl eU UZ | OsTl oMa
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W | oM uzw AuxU mU Aml xp aWM M WlS q
Lx.Lq.Lx. p pei W | oM l 1 esD 2011 x MU oMa
mhs, qoCs oMa, COUlO oMa mOs, LOLq slSl
UmO u D-CToM q WlS M uMsm Emsok MUr W |
WqU oM M CsYOlM pw mi mxiM Mlmi'' M
xp zZA M Mrsr q Emsok MUr ar |
Uepw M mpu Mrlurl M mixWi MUl Wi oM U
MlU oM Uepw Ar rel'' M iWi 182 mUxMU Acs
Mrsr, r MqcU mzh qWusr, zZA u
Mrsr M Alpa M mSl ML aL | MlU oM Uepw
mUxMU rel'' M iWi 109 MqcUr M mUxMU mSl ML
aL | oM l Aml MqcUr M sL LM uwM AZs pUir
WlS lok mirai'' p Arei M W AU ueiA M
lMS mUxMU SL aL |
WqU Ak uwM WlS mM "MlUeri" M 13 u Lu 14
u AM eU Mr ar | mkl Mrsr, oasU q WlS Sux
xqUW M SUl WqU Akr Lu mok lSzM U 13u AM
M uqcl Mr ar ij 14u AM M uqcl qi mlq
ele, xrYi xcu, Uepw upa, aW qsr, pUi xUMU
U Mr ar | MlUeri WlS q qs sZl M mixWi MUl
M sL mMzi M ei W | Cxq oM M MqcUr U sZi
oMa xok sZ, Mui, sb Mj, ruiii AS zqs W |
L.o.x.AD. U MlUeri'' M TcU h q Uei mSM ij
uzw xip (pUir pw) h q Mxr mSM AuQ mSl Mr
ar W |
oM l Uepw AkMUr M 32u AZs pUir xqqsl p 9
u 10 qc 2015 M r MqcU mzh qWusr, aQau
q Arei Mr ar |
uw M SUl xxSr Uepw xqi M ixU Em xqi l
MUs Uer q oM M Mssq zZ M SU Mr | Uepw
mU xxSr xqi M xr u AsZ xqi U lamU Acs
Mrsr M SU Mr ar AU Uepw Mrlurl M q
In the sphere of using Information Technology in the
Ofcial Language, the Bank has furthered the use of
Unicode package for word processing and also made
provision in ATM screens of the Bank for carrying
transaction in 10 Indian languages. Tele banking facility
has also been provided in Hindi and English and other 6
major regional languages. The Banks corporate website
is made fully in bilingual. The Bank is also giving SMSs
in Hindi to all its customers on special occasions. With
effect from 1st July 2011, the Bank has provided Hindi
option in Core Banking System. Hindi option provided in
Mobile Banking, Internet Banking portal, ATM transaction
reports and in e-Infobook. The Banks bilingual address
booklet CANPATHA is made available to all branches and
ofces in electronic form.
To encourage effective implementation of Ofcial
Language in the Bank, 182 prizes were given to Circle
Ofces, branches, RSTCs and Sections of Head Ofce under
the award Scheme formulated by the Bank viz., Canara
Bank Rajbhasha Akshay Yojana and 109 employees were
awarded under Rajbhasha Puraskar Yojana. The Bank also
conducted annual All India Hindi Essay Competition for
its employees and prizes were given to winners.
Our Half Yearly Hindi journal Canarajyoti 13th and
14th issues were brought out during the year. The 13th
issue was released by the C&MD during Hindi Day
Celebration at Head Ofce, Bangaluru and 14th issue
was released by Miss Poonam Juneja, Joint Secretary,
Department of OL, Ministry of Home Affairs, Government
of India. Canarajyoti is brought out to encourage original
writing in Hindi. This publication contains articles on
banking related subjects as well as Poetry, Short Stories,
Travelogues in Hindi written by employees.
Canarajyoti won ABCI Awards, a Silver Medal under
Feature category; a Bronze Medal under special column
(Indian Languages) category, for excellence in business
communications from the Association of Business
Communicators of India (ABCI).
The Bank also held the 32nd All India OL Conference of
OL Ofcers at RSTC, Gurgaon on 9th and 10th March 2015.
During the year, the Third Sub Committee of Parliamentary
Committee on Ofcial Languages had inspected Kollam
Branch, in the State of Kerala. The Drafting and Evidence
Committee of the Parliamentary Committee on Ofcial
Languages had inspected Nagpur Circle Ofce and lauded
the efforts put by the Bank in the eld of Ofcial Language
implementation. The Bank is convening the Town Ofcial
60
oM M mrx M xUWl M aD | oas, MroiiU, AaU AU
iulimUq q oM laU Uepw Mrlurl xqi M xreM
W | pUi xUMU M Uepw li M mpu Mrlurl M mi
MqcUr M mixWi MUl u qaSzl Sl M sL oM M
xp zZA q Uepw Mrlurl xqir aPi W |
ZsMS M muil
MlU oM OlqO AS M mrei MUl AU mipzs
ZsQr M xMsUzm mSl MUM Wqz ZsMS M mixWi
u xqjl MU UW W AU Sz pU q Zs aiukr M sL ESUi
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u mixWl M sL mkl Mrsr q LM ZsMS MExs M
aPl Mr ar |
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uw M SUl qi Lc Lq eri l asxa, xMOsQ q
Arei UqQs Zs q 4x100 qOU Us q pUir Oq M
milkiu Mr (TCls q 5u xjl), Clcl, Sh MUr
q Arei Lzrr Zs q 4x100 qOU Us q pUir Oq
M milkiu Mr | sZlF q Arei AiU Uer AjsOM
qO q mipai MUM 100 qOU q 11.4 xMQ (xox
AcN urai xqr) M xj Uei mSM ei | uw M SUl
SmM cas l Uhe OT MO OlqO q fUZQ Uer
M mipai Mr | qxU As Zl uw M SUl
Uhe OT u CUl OT eilus MlOM Uer MO Oq
M aSoe Mc j | Q amxS, zOs oQqOl ZsQ
Language Implementation Committees of Bengaluru,
Agra, Coimbatore and Thiruvananthapuram. Ofcial
Language Implementation Committees are constituted
in all the branches of the Bank to motivate and guide the
employees towards effective implementation of Ofcial
Language Policy of the Government of India.
Promotion of Sports
Canara Bank has always been encouraging and
supporting sports and has contributed generously to
sporting activities all over the country, in the realms of
sponsoring tournaments and providing scholarships to
talented sportspersons. A Sports Council at Head Ofce
was setup in the year 1982 to monitor / encourage Sports
in the Bank.
The Bank has teams in 6 disciplines as under:
4 xSxr Athletics Women 4 Members
3 xSxr Ball Badminton Men 3 Members
15 xSxr Cricket Men 15 Members
12 xSxr Hockey Men 12 Members
3 xSxr Shuttle Badminton Men 3 Members
2 xSxr Table Tennis Men 2 Members
International Sportspersons in the Banks fold are Shri B
K Venkatesh Prasad and Shri Sunil B Joshi (Cricket), Shri
Vimal Kumar (Shuttle Badminton), Smt M K Asha, Smt
Suma Gopalakrishna and Smt H M Jyothi (Athletics),
Shri P Shanmugam, Shri Bharath Kumar Chetri (Captain
Indian Hockey Team, London Olympics-2012) and Shri K
M Somanna (Senior-Hockey) and Shri K P Dinesh (Junior-
Hockey). Some of the above sportspersons have earned
laurels while representing the Bank in tournaments/
competitions at the State/National levels. Shri K M
Somanna, Player of Hockey Team and Shri D Guruprasad,
Player of Shuttle Badminton Team were bestowed with
EKALAVYA AWARD, highest honour for sports person
in Karnataka State. Shri Bharat Kumar Chetri, player of
Hockey Team was bestowed with BENGAL RATNA,
highest honour for sports person in State of West Bengal.
During the year, Smt H M Jyothi represented Indian
Athletics 4x100 Mts Relay Team in the Commonwealth
Games at Glasgow, Scotland in 2014 (5th Place Finals),
Indian Athletics 4 x 100 Mts Relay Team in the Asian Games
at Incheon, South Korea in 2014 and Karnataka State
Team in the Inter State Athletic Meet at Lucknow 2014 in
100 Mts Individual event and secured Silver Medal with a
timing of 11.4 Seconds (Personal Best). Shri Deepak Chougle
represented Jharkhand State Cricket Team in the Ranji
Trophy during the year. Shri K B Pawan represented Kerala
State Cricket Team in the Ranji Trophy. Shri Mansur Ali
Khan was the Bowling Coach of the Karnataka State Cricket
Team that won the Ranji Trophy and Irani Trophy during the
year. Shri D Guruprasad, player of Shuttle Badminton Team
61
l oqbq, rlCOQ MaQq q Arei Bs CasQ oQqOl
cqmrlzm q mipai M |
oM mkl Mrsr M Oq M Asu Acs Mrsr
xiU mU oeO AoOi MUM ZsMS M mixWl Si W,
exM laUl Acs xmOx MExs U Mr ei W | oM
M 50% x AkM ZsQ Aml xoki Zs q MlOM
Uer M milkiu MUi W |
ur xmUqMO
MlU oM l aWM Wi LM xOm oMa' mSl MUl M Ezr
x 1980 SzM M Ai M SUl xWrM Zsl M U uuk
MUoU aiukr q muz Mr | Ae, oM uuk q Mq diversied business activities by opening subsidiaries
x Mq l xWrM / mrei xxjA / xr Eq M xj
LM ur xmUqMO' M m q Mr MU UW W |
oM l xqrM qsrMl Wi u oM M xWrM/xWra Wi ZM
irU MUl M sr p LM xsWMU M m q qxx MmLqe
xsWMU xuL mCuO sqOQ lr Mr W | xuMi xTUz
M Mrui Mr ar W | oM M xp xWrM / mrei
xxjA / xr Eq l uw M SUl xiwelM MrlwmSl
Se Mr W |
MlTl Wqx sqOQ (xLTLcLs)
MlTl Wqx sqOQ, e M MlU oM M 43.45% kUi M
xj LM mrei xxj W, mqZ Aux u xxjA q x
LM W | 31.03.2015 M xLTLcLs q oM M zrU 43.45%
W | uw M SUl, Mml l `3346 MUQ M xuiUh Uz M
xj `3670 MUQ M Gh Uz M qeU S W| rj qc 2015
M Ms oMr Gh `8238 MUQ W | Mml l uw xqml qc
2015 Wi `86.24 MUQ M MU M mi sp Aei Mr W AU
2014-15 Wi 70% M spz mxiui Mr W |
MlU oM mipi sqOQ (xoLxLs)
MlU oM mipi sqOQ, (mu q, asO mipi OQa
MmUzl sqOQ) me oeU xoki aiukr q, uzwMU Market related activities, mainly stock broking since
2007 x xOM oMa q xsmi UW W | Mml xxjai u ZSU
aWM, Sl M sr xOM oMa xuL mSl MUi W | ZSU
aWM M sL BlsCl OQa MEOU qZr EimS W ij qS
urim xuk mSl MUi W Lu Mml M aWM AkU 35172
x AkM W | uw xqml 2015 M sr Mml l `6.90 MUQ
M MU mi sp Aei Mr W AU 12.50% M spz M
pail Mr W |
MlU UoM mUxm mokl Mml sqOQ (xAULLqx)
MloM qrcrAs TQ M Axir M molki MUl M sr
1993 q qxx MloM luz molkl xuL sqOQ xjmi M
ar j | uw 2007 q MlU oM l Axi molkl Mml M
49% zrU qxx UoM xqW Ll u M m q uluz Mr
j exx M MloM qrcrAs TQ M Axir M molkl
Wi LM xr Eq M lqh WA | io x W Mml M MlU
UoM Axi molkl Mml sqOQ M m q ml:lqi MU
Sr ar j exq 51% zrU kUi oM M mx j | Mml M
molkl M iWi 5.27 sZ M luzM AkU M MuU MUi WL
Axir `6421MUQ j | uiql q Mml, asQ DLTO xWi
29 qrcrAs TQ relL xps UW W | uw 2014-15 M sr
Mml l `19.42 MUQ M lus sp Aei Mr W |
participated in the All England Badminton Championship
at Birmingham, United Kingdom, 2015.
Apart from the Teams at the Head Ofce, Bank is also
encouraging sports at the Circle level by allotting annual
budget for sports activities, which is monitored by the
Circle Sports Council. More than 50% of the Banks sports
persons are representing the State in their respective
sports discipline.
FINANCIAL SUPERMARKET
Canara Bank, with an objective of offering One Stop
Banking facilities for the customers, forayed into
during late 1980s. Today, the Bank functions as a Financial
Supermarket with as many as nine subsidiaries/ sponsored
entities/ joint ventures in diversied elds.
To unlock the potential in Subsidiaries, Bank had appointed
M/s KPMG Advisory Services Private Limited as consultant
for comprehensive assessment and to draw a road map for
Subsidiaries/Associates. The accepted recommendations
have since been implemented. All the subsidiaries/
sponsored entities/ joint ventures of the Bank recorded
satisfactory performance during the year.
CANFIN HOMES LIMITED (CFHL)
Cann Homes Limited, a Sponsored Entity of Canara Bank is
one of the premier housing nance entities in the country,
with a stake of 43.45%. The Company sanctioned loans
amounting to `3670 crore and disbursed loans amounting
to `3346 crore during the year. The loan outstanding as at
March 2015 was `8238 crore. The Company earned a prot
after tax of `86.24 crore for the year ended March 2015
and proposed a 70% dividend for the year 2014-15.
CANARA BANK SECURITIES LIMITED (CBSL)
Canara Bank Securities Limited, (formerly Gilt Securities
Trading Corporation Limited) has diversied into Capital
2007. The Company offers stock broking services to both
institutional and retail clients. Online Trading Counter for
retail customers is its agship product and has diversied
into Currency Derivatives and has a clientele base of
35172. The Company has posted a Prot after tax of `6.90
crore for the year ended March 2015 and paid a dividend
of 12.50%.
CANARA ROBECO ASSET MANAGEMENT CO LIMITED
(CRAMC)
To manage assets of Canbank Mutual Fund M/s Canbank
Investment Management Services Limited was established
in 1993. In the year 2007, Canara Bank divested 49% stake
of Asset Management Company in favour of M/s Robeco
Groep N V forming a joint venture for managing the assets
of Canbank Mutual Fund. The Company has since renamed
as Canara Robeco Asset Management Company Limited
with a majority share of 51% held by the Bank. Assets
under Management of the Company was `6421 crore
with investor base of 5.27 lakhs. The Company is currently
managing 29 Mutual Fund Schemes, including Gold EFT.
The Company posted a net prot of `19.42 crore for the
year 2014-15.
62
MlU LcLxox AUrOs oM BT Mqx eul oq Mml
sqOQ
AiUr xiU mU mii LcLxox oq (Lzr mxTM)
WsQa sqOQ u AUrOs oM BT Mqx M xWra M
xj oM M oq xr Eq W | Mml xiqoU 2007 M SUl
laqi WD j AU Aml MUoU mUcsl 16.06.2008 x mUp
Mr j | Mml q oM M 51% M oWqi zrUkUh W | uw M
SUl Mml `1642 MUQ M Ms MUoU mqrq iM mWc ij
`102.90 MUQ M xuklM sp Se ML |
MloM ucU me Mw sqOQ (xuxLTLs)
MloM ucU me Mw sqOQ, MloM ucU me Mw
(xuxLT) M lrx u molkM W AU oM M mh xuqiu
us Alwa W | uw 2014-15 M SUl, Mml l MU M oS
`6.92 MUQ M sp Aei Mr W AU 1000% M spz M
pail Mr W |
MloM TYOx sqOQ (xLTLs)
MloM TYOx sqOQ oM M LM TYOa Alwa W | uw
2014-15 M SUl, Mml l `3072.50 MUQ M Ms MUoU
OlAuU mmi Mr W ij `14.80 MUQ M MU mi sp
Aei Mr W | uw 2014-15 M sr Mml l 10% spz
mxiui Mr W | pUir xZ UOa xcl xu (xs) l
ClM Asmuk Gh rel M Eiq L1+ UOa mSl Mr W |
MloM MmrOU xuxe sqOQ (xxLxLs)
MloM MmrOU xuxe sqOQ mU Sz q rW LMq xnOurU
Mml W e xuelM M oM U muii W | MloM MmrOU
xuxe sqOQ qZrir xcl maM ij xnOurU uMx
xu, mzh / mUqzS u UexOU u zrU AiUh Lex M
m q MrUi W | Mml l uw SUl `6.51 MUQ M MU mi
sp Aei Mr W |
MloM TCllzrs xuxe sqOQ (MlTl)
MloM TCllzrs xuxe sqOQ l Qo Zi M iWi
m MUr M uxs u AiSr M uxs mU krl MlSi MUl
M Asu Aml aiukr M mipi q mNs xuruWU x
Eim Mll qqs iM xqi MU Sr W |
Mqzrs CQ oM LsLsx (xADoLs)
xADoLs, MlU oM u pUir xOO oM M xr Eq W
e Ams, 2004 x qxM, x q MrUi W | Mml l rj 31
qc, 2015 M MU mi r Lx $ 1.05 qsrl rLx QsU M
sp Aei Mr W |
r aqh oM (AUAUo)
oM M S mrei r aqh oM W., rj MUs aqh oM,
e MUs M xmh 14 es M 565 zZA M xj MuU MUi
W ij mu MlOM M 11 es q 645 zZA M xj mai
Mwh aqh oM W | r aqh oM M mx Ms qsMU
1210 zZA u 412 LOLq M lOuM W | uw M SUl, Sl
r aqh oM l 73 zZL ij 135 LOLq Zs|
rj qc 2015 M r aqh oM M xqa MUoU 40402
MUQ W exq eq M Aiai 20578 MUQ ij Aaq M
Aiai 19824 MUQ W | 20940 MUQ M xqa MUoU M xj
CANARA HSBC ORIENTAL BANK OF COMMERCE LIFE
INSURANCE COMPANY LIMITED
An Insurance Joint Venture oated by the Bank in
association with internationally reputed HSBC Insurance
(Asia Pacic) Holding Limited and Oriental Bank Commerce.
The Company was incorporated during September 2007
and commenced business operation from 16.06.2008. The
Bank has a majority shareholding of 51% in the Company.
During the year, the Company reached total business
premium of `1642 crore and recorded statutory prot of
`102.90 crore.
CANBANK VENTURE CAPITAL FUND LIMITED (CVCFL)
Canbank Venture Capital Fund Limited is the Trustee and
Manager of Canbank Venture Capital Fund and a wholly
owned Subsidiary of the Bank. The Company recorded a
prot after tax of `6.92 crore for the year 2014-15 and paid
a dividend of 1000%.
CANBANK FACTORS LIMITED (CFL)
Canbank Factors Limited is a factoring Subsidiary of the
Bank. During 2014-15, the Company achieved a total
business turnover of `3072.50 crore and earned a prot
after tax of `14.80 crore. The Company has proposed a
10% dividend for 2014-15. The Credit Rating Information
Services of India Limited (CRISIL) has rated its Short Term
Debt Programme, the highest A1+.
CANBANK COMPUTER SERVICES LIMITED (CCSL)
Canbank Computer Services Limited is the only Software
Company promoted by a Public Sector Bank in the country.
Canbank Computer Services Limited is primarily engaged
in IT and Software development services, training /
consultancy and registrar and share transfer agency. The
Company has achieved a prot after tax of `6.51crore for
the year.
CANBANK FINANCIAL SERVICES LIMITED (CANFINA)
Canbank Financial Services Limited is conning its
activities to legal matter arising out of past transactions
in securities, besides concentrating on collection of lease
rentals and recovery of dues under decreed accounts.
COMMERCIAL INDO BANK LLC (CIBL)
CIBL, a joint venture of Canara Bank and State Bank of
India, has been operational since April 2004 in Moscow,
Russia. The Company earned a prot after tax of US$1.05
million as on 31st March, 2015.
REGIONAL RURAL BANKS (RRBS)
The Bank has two sponsored RRBs viz., Kerala Gramin Bank,
which covers entire 14 districts of Kerala with 565 branches
and Pragathi Krishna Gramin Bank with 11 districts of
eastern Karnataka and 645 branches. RRBs together have
a branch network of 1210 and 412 ATMs. During the year,
both RRBs have opened 73 branches and 135 ATMs.
The aggregate business of the RRBs as at March 2015 stood
at `40402 crore, comprising `20578 crore under deposits
and `19824 crore under advances. Kerala Gramin Bank
with a total business of `20940 crore ranked 1st amongst
RRBs, followed by Pragathi Krishna Gramin Bank with
63
MUs aqh oM M xjl r aqh oM M oc mjq UW,
exq WqU Aml mai Mxl aqh oM `19462 MUQ M
MUoU M xj ir xjl mU UW | Sl r aqh oM l
mjqMi EkU M Aiai Ms Aaq M 60% M Alur
sr M mmi Mr | Ms Aaq M Aiai xMs LlmL u lus
LlmL 5% M xiwelM xiU x lc j |
uw M SUl, Sl r aqh oM l `284.89 MUQ M xMs
sp ij `101.60 MUQ M lus sp Se Mr | ElM me
mrmii Almi 9% M Akql qlM x AkM W |
r aqh oM xoLx M 100% Almsl MU UW W AU
maM M qc mU Aml xqM r aqh oM x Aa
W | u Aml aWM M xcl maM AkUi EimS ex qoCs
oMa, m QoO MQ xu, cM OMzl mhs, D-MuDx
iMlM, AkU xqji xu ij lnO/AUOeLx M qkrq
x umwh xuL mSl MU UW W | loQ u eADeQ M xj
xfSU q qxx Lxx U xxjmi ClYsxu TClzrs
CQr AuQ-2014 MUs aqh oM M xcl maM M
Mrurl M sL mmi WA ij mai Mwh aqh oM ir
uei UW |
mrei r aqh oM q ur xquzl u mkl q Jan Dhan Yojana (PMJDY) in the sponsored Regional Rural
el-kl rel Mrurl M xji
mrei r aqh oM, 884 MUoU xmM (ox) u 157
MrxM M qkrq x zZA M AiU au q AkUpi
oMa xu mSl MU UW W | ElWl aqh q zZA x
qkrq x 22 ur xUi mUqz MS (LTLsx) xjmi ML
W ij ur xUi zuU M Arel p MU UW W |
mklq el-kl rel M Aiai Sl r aqh oM l 7.80
sZ x AkM Zi Zs W ij xp Zi kUM M m MQ eU
Mr | ElWl, AuOi 1847 Em-xu (LxLxL) M xp bU
M MuU Mr W AU 375 uQ M Mq-x-Mq LM AkUpi
oMa Zi u m MQ x eQ W | D-MuDx iMlM u
AkU xqji pail mhs ( LDmLx) Mrui MUl q r
aqh oM M oc ElM mjq xjl W |
mUxMU / mzx
up mWs M Apl q, uw M SUl oM M MD mUxMU
mmi ML | Clq x qZr mUxMU lqlui W:
Lzr LcAUQ Max AuQ-2014 M x xaPl M raSl
h M Aiai Lzr LcAUQ AuQ'' |
xMc TCllzrs CYszl LQ Qmla AuQ-2014 q
Cuzl
C l h M Aiai msOlq AuQ |
MmUO aulx M sL lSzM xxjl,pUi U asQl
mMM mUxMU |
MqmrOU z u UeaU muil
Mqmr
mWs M sL z 2014 Wi mQi qSl qWl qsur Uei
mUxMU |
oas M xuq 50 oQ M oc lqq oas oxO oQ
mUxMU |
MmUO xqeM mWs M iWi xuq MrlwmSl M
sL xuelM M oM h M Aiai Lxxcq xzs
oMa EiMi AuQ 2014 |
`19462 crore. Both RRBs achieved the mandated target of
60% of total advances under priority sector lending. Gross
NPA and Net NPA levels were below the tolerable level of
5% of total advances.
Both RRBs registered a gross prot of `284.89 crore and
net prot of `101.60 crore during the year. Their capital
adequacy ratio is above the mandatory norm of 9%.
RRBs are 100% CBS compliant and are ahead of their peer
RRBs under technology front. They are extending IT based
products, like, Mobile Banking, RuPay Debit Card services,
Cheque Truncation System, e-KYC technology, Aadhaar
enabled services and remittance facilities through NEFT/
NGRTGS/AEPS to their customers. Kerala Gramin Bank
has received Inclusive Finance India Award-2014 for
adaptation and implementation of information technology
and Pragathi Krishna Gramin Bank as 2nd runner-up,
instituted by M/s Access in partnership with National
Bank for Agriculture and Rural Development (NABARD) and
Deutsche Gesellschaft fr Internationale Zusammenarbeit
(GIZ).
Implementation of Financial Inclusion and Pradhan Mantri
Banks
The sponsored RRBs, in addition to branches, are
extending basic banking services to villages through 884
Business Correspondents (BCs) and 157 Kiosks. They have
established 22 Financial Literacy Counselling Centers
(FLCs) and also organizing nancial literacy camps through
branches in rural areas.
Under PMJDY both RRBs together opened over 7.80 lakh
accounts and issued RuPay Cards to all the account holders.
They have covered all households in 1847 Sub-Service
Areas (SSAs) and 375 wards allotted to them with at least
one basic banking account and RuPay Cards They are the
rst amongst RRBs to implement e-KYC technology and
Aadhaar enabled Payment System (AEPS).
AWARDS/ACCOLADES
In recognition of the varied initiatives, the Bank was
conferred with several awards/accolades. The major
awards received are as under:
Sl Asia HRD Award under the category Contribution to
Organization of the Asia HRD Congress Awards, 2014.
Platinum Award under the category of Innovation
in the Skoch Financial Inclusion & Deepening Award,
2014.
Golden Peacock Award for Corporate Governance by
the Institutes of Directors, India.
M MmUO xqeM Pt. Madan Mohan Malviya Silver Award for Education
2014 for CSR initiative of Promoting Computer
Education and Employment.
Namma Bengalurus Best Brand among Bengalurus
top 50 brands.
Assocham Social Banking Excellence Award, 2014
under Public Sector Banks category for excellent
performance under Corporate Social Responsibility
initiatives.
64
 cqoU BT LqLxLqD (xADLqLxLqD), lD Sss U
xcsi LqLxLD oMa LYxsx AuQ-2014 | oM
M Alr mUxMU M xj xuq oM mUxMU uei x
lue ar |
lriM M muil M sL xuq xqjl xu mSl MUl
Wi pUir lri xaPl qWxb (LTADDA) U Arei
lri ok mUxMU |
aqh xuUeaU mzh xxjl, zsmMU xxjl, xcl
maM xxjl, xqSrM uMx u qWs xzMUh
M sL pUi M Eq mUrel 2014 h M Aiai xMc
mleaUh mUxMU 2014 |
lL QqO Zi M mUcsi MUl q saiU SxU uw mjq
xjl mmi MUl M sL LlLxQLs xOU mUTqU AuQ
2014 ij Zi u q xuq MrlwmSM |
mosMzl M sL pUi M xuq Mqmlr mU LM
AsZ q xuelM q oM M oc mjq xjl mSl
Mr ar |
oLTLxAD q LcAU mrx M xqqli MUl M sL
qxx QsrO M xj xfSU q oMa TlOrU U oxO
CxmrUa msx O uM (xuelM ) |
lSzM xxjl, pUi U asQl mMM oelx LYxsx
AuQ 2015 |
mLqeQuD Mrurl M Aiai xuq MrlwmSl M
sL qxx Ea urmU u xu xb U aPi mLqeQuD
u LYxsx AuQ 2015 |
xuelM M oM M oc ADoL oMa maM
xqqsl, LYxm u AuQ 2015 q 4 mUxMU ei |
1. mjq UlU Am - Q
QeOs u cls maM M oWiUl
Emra |
xu ur mWs
2. mjq UlU Am - xu
3. ir UlU Am - uw
uw M maM oM
4. ir UlU Am - xu
xuq pail mWs
Aux Gh' mSi h M Aiai AEOsM ql AuQ
2014 |
Sss xOO luz els U 6P mLxr AuQ q ZSU
oMa M Aiai oWiUl MrlwmSl|
MlU C-CToM M sL Tui AuQ 2015 |
xoLx M sL TaU oxQ orqOM mkMUh M sL
xYrU ADO 2014 AuQ |
xox AkM xZr q m MQ eU MUl M sL U
pail EiMi mUxMU 2014 |
a' q mpu Uepw Mrurl M sL saiU S uw
2012-13 u 2013-14 M sL CSU ak Uepw mUxMU
rel M Aiai mjq mUxMU |
MSME Banking Excellence Awards, 2014 organized
by Chamber of Indian Micro, Small and Medium
Enterprises (CIMSME) at New Delhi. The Bank has been
adjudged as the Best Bank Award-Winner among
other awards.
Niryat Bandhu instituted by Federation of Indian
Export Organisation (FIEO) for excellent support
services rendered for the promotion of exports.
SKOCH Renaissance Award, 2014 under Indias Best
Projects 2014 Category for Rural Self Employment
Training Institute, Institute for Artisans, Institute for
information Technology, Community Development
and Women Empowerment.
NSDL Star Performer Awards, 2014, for securing rst
position in mobilizing new Demat Accounts for the
second consecutive year and also adjudged Best
Performer in Accounts Growth.
Ranked 1st among Public Sector Banks in an article
on Indias Best Companies for CSR published in the
Corporate Dossier of Economic Times.
Best Inspiring Place to Work (Public Sector) by the
Banking Frontiers in partnership with M/s.Deloitte in
an effort to recognize the HR efforts of the BFSI sector.
Golden Peacock Business Excellence Award, 2015, by
the Institutes of Directors, India.
PMJDY & Excellence Award, 2015 instituted by M/s
Federation of Industry Trade & Services (FITS) for best
performance under PMJDY implementation.
Received 4 Awards at IBA Banking Technology
Conference, Expo & Awards, 2015 amongst Public
Sector Banks.
1. First Runners-up- Best use of Digital and
Channel Technology.
2. First Runners-up-Best Financial Initiative
3. Second Runners-up-Technology Bank of the
Year.
4. Second Runners-up-Best Payments Initiative
Outlook Money awards 2014 under The Best Home
Loan provider category.
Outstanding Performance under Retail Banking in the
6th PSU Awards 2014 by Dalal Street Investment
Journal.
Finnoviti Award, 2015 for Canara e-Infobook.
Secure IT 2014 award for nger print based Biometric
Authorization for CBS.
r National Payment Excellence Award, 2014 for highest
RuPay Card issuing bank.
1st Prize under Indira Gandhi Rajbhasha Puraskar
Yojana for effective implementation of Ofcial
Language in Region C for two consecutive years in
2012-13 and 2013-14.
65
 oM M up lir VARIOUS POLICIES OF THE BANK
oM M AcN iUW x mUpwi lir AU mrA M LM There is a system of well-dened policies and procedures
of the Bank. During the year, concerted efforts were made
mhs W | uw M SUl pUo M ulrqM AuzrMiA, pUi to streamline the policies and procedures of the Bank
xUMU M SzlSz u uiql mUSzr q oM M AMxqM in the light of regulatory requirements of the RBI, the
AuzrMiA M AsM q oM M lir u mrA M xSR directions of the Government of India and the emergent
oll Wi Px mrx Mr ar W | iSlxU, Alr M oc, xZ requirements of the Bank in the present day context.
Accordingly, there has been a sharper focus on policies
eZq molkl, oeU eZq molkl, mUcsM eZq molkl, relating to, among others, Credit Risk Management,
Axi Sriu molkl, cslk eZq molkl, xqW eZq Market Risk Management, Operational Risk Management,
molkl, Sz eZq, mim oM eZq, MmUO mzxl, Asset Liability Management, Liquidity Risk Management,
mMOl, xmM molkl, ilu mUh, Almsl Mr, AmS Group Risk Management, Country Risk, Counterparty
Bank Risk, Corporate Governance, Disclosures, Collateral
mlmmi AU MUoU xii Arel, MUoU sCl, AEOxxa Management, Stress Testing, Compliance Functions,
AU ADxLLm, MuDx, LLqLs, uxs, u luz M xok q Disaster Recovery and Business Continuity Planning,
lir mU ih krl MSi Mr ar W | Business Lines, Outsourcing, ICAAP, KYC, AML, Recovery and
Investments.
lSzM qQs q mUuil
CHANGES IN THE BOARD OF DIRECTORS
oM M lSzM qQs M xUcl q uw 2014-15 q lql
Year 2014-15 saw the following changes in the composition
mUuil W | of the Board of Directors of the Bank.
Auk M SUl oM M lSzM qQs q lqlsZi lSzM M Tenure of the following Directors on the Board of the Bank
Mr Auk xqmi W aD | ended during the period.
lr M xu xqmi
lq mSlq Name Designation
Date of Ap- Date of
ij M ij pointment Cessation
Akr u Chairman &
AU M So 11.01.2013 30.09.2014
mok lSzM Shri R K Dubey Managing 11.01.2013 30.09.2014
Director
AsmMsM
xil xlW aU AkMUM 17.10.2011 16.10.2014 Part-Time
Shri Sutanu
lSzM Non-Ofcial 17.10.2011 16.10.2014
Sinha
Director
MqaU
e.u Shri G V Workmen
milk 21.10.2011 20.10.2014
xqoxu Uu Sambasiva representa- 21.10.2011 20.10.2014
lSzM
Rao tive Director
AzM MqU MrmsM
28.07.2011 31.10.2014 Shri Ashok Executive
ami lSzM 28.07.2011 31.10.2014
Kumar Gupta Director
qi ql pUo lqi Smt Meena RBI Nomi-
13.10.2011 22.02.2015
WqcS lSzM Hemchandra nee Director
13.10.2011 22.02.2015

lqlsZi lSzM l Auk M SUl Mrsr q MrpU aWh

Following Directors assumed Ofce during the period.
Mr |

lr M xu xqmi Date of Ap- Date of

Name Designation
lq mSlq pointment Cessation
ij M ij

AUoAD Aas ASz Smt Uma RBI Nomi- Until fur-

qi Eq zMU 23.02.2015 23.02.2015
lqi lSzM iM Shankar nee Director ther Orders

WUSz MqU MrmsM Shri Harideesh Executive

11.03.2015 31.05.2017 11.03.2015 31.05.2017
o. lSzM Kumar B Director

66
uw 2013-14 M SUl oM M lulr lS
lSzM qQs M
xmi orU
qi Eq z
zMU
qi Eq zMU M 23.02.2015 M mpu x oM M lSzM
qQs q pUo M milk lSzM M iU mU lr Mr
ar W | qi Eq zMU l Ms xMr q xliMU M Emk
s W ij pUir oM xxjl q xOTCQ LxxLO W |
qi Eq zMU l Aml MUrU M zAi pUir Ueu oM
q uw 1982 M SUl xk pi us aQ o AkMU M iU mU
M ij cD, WSUoS, qqoD u oas Mrsr q eUMi
upa, oMa upa, oMa mruh upa, zWU oM upa u
pUo M Alr qWiumh upa q up rariA q qWiumh
mS mU Mq Mr W |
uiql q uW qZr qW mok, qS mokl upa, pUo,qqoD
q MrUi W | Cxx mWs uW pUo, oas M r lSzM
j | ElWl MmUO oM u rM oM M lkM qQs q p Aml
xu S W |
Brief Prole of the newly appointed Directors of the Board
of the Bank during 2014-15
Smt. Uma Shankar
Smt. Uma Shankar has been nominated on the Board
of the Bank with effect from 23.02.2015 as a Director
representing RBI. Smt. Uma Shankar holds a Master
Degree in Arts and is a Certied Associate of Indian
Institute of Bankers.
Smt. Uma Shankar started her career as a direct
recruit Grade B Ofcer in RBI in the year 1982 and
held important posts in various capacities in the Issue
Department, Banking Department, Department of
Banking Supervision, Urban Banks Department and other
important departments of RBI in Chennai, Hyderabad,
Mumbai and Bengaluru Ofces.
She is presently working as Chief General Manager,
Department of Currency Management, RBI, Mumbai.
Prior to this she was the Regional Director of RBI,
Bangaluru. She also served on the Boards of Corporation
Bank and UCO Bank earlier.

Shri Harideesh Kumar B

WUSz MqU o
WUSz MqU o M oM M MrmsM lSzM M m
q pUi xUMU M Akxcl SlMi 10.03.2015 U ElM
MrpU aWh MUl M ij x 31.05.2017 iM, ElM xulu
M Eq iM r Aas ASz iM, e p mWs W, M sL lr
Mr ar W | ElWl 11.03.2015 M MrpU aWh Mr W |
Shri Harideesh Kumar B has been appointed as Executive
Director of the Bank with effect from the date of his
assumption of charge of the post upto 31.05.2017, the
date of his attaining the age of superannuation or until
further orders, whichever is earlier, vide Government of
India Notication dated 10.03.2015. He has taken over
charge on 11.03.2015.

WUSz MqU o MlOM M Sh MQ es x W | ElWl
s q xliMU M Emk s W ij uw 1978 q uer oM M
xj Aml oMa MUrU z Mr |
ElWl SzpU q oM q up rariA us mS mU Mr Mr
W | ElM mii MUrU M 38 uw au, MsMi, qqoD,
AWqSoS, oas u Sss q oi W | ElWl oMa M up
mUcsliqM q Mr Mr W ij LM elMU u lmh
mzxM W |
ElWl pUi u uSz q mii xxjl q MD xqlU,xqqsl
u mzh Mrq q zUMi M W |
Shri Harideesh Kumar B hails from Dakshina Kannada
district of Karnataka. He is a Post Graduate with a Degree
in Law and started his banking career with Vijaya Bank in
the year 1978.
He has worked in various capacities in the bank across the
country. His distinguished career of 38 years spans across
Goa, Kolkata, Mumbai, Ahmedabad, Bangaluru and Delhi.
He has worked in various operational areas of banking
and is a knowledgeable and an able administrator.
He has attended various seminars, conferences and
training programmes at reputed institutions in India and
abroad.

u uer oM M cQaR, oasU u Sss r Mrsr M
mpU UW | ElWl MlU oM q MrmsM lSzM M iU mU
lr x mWs oM M Sss q qW mokM M m q
MrUi j|
He was in charge of Vijaya Banks Regional
ofces at Chandigarh, Bangaluru and Delhi.
He was heading the Banks Delhi Region as
General Manager prior to joining Canara Bank as
Executive Director.

67
 lSzM M Sriu uur
lSzM, 31 qc, 2015 M xqmi uw M sL uwM sZ M
irU q lql M m MUi W :
uwM sZ M irU q qWiumh ucsl x xoki Eci
xmMUh xWi Emr sZMl qlSQ M msl Mr
ar W |
M ElWl El sZMl lir M crl Mr W AU ElM
lUiU Almra Mr W AU lhr sL W ij Alql ML
W, e Eci AU uuMmh W iM ur uw M Ai q AU
Auk M SUl oM M sp r Wl oM M xji M xW
Lu xm xum mmi W xM |
M ElWl oM M Axir M xU M krl UZi WL
AU kZkQ AU Alr uxair M luUh M sL
pUi q xji oM M sL sa Mll mukl M Alm
mrmi sZMl UMQ M AlUh M sL Eci Lu mrmi
xukl oUi W |
M ElWl uwM sZ M irU spMU MUoUus xxj
Wl M AkU mU M W|
klruS
Aml xp WikUM rl zrUkUM, aWM, luzM, xUMU,
pUir Ueu oM, MqcUr u qZr m x eli M AkMiq
miTs Sl M sL oM l MD MSq EPL |
xUh M sL aWM, xWra M sL zrUkUM, qsrul
qaSzl u xWra M sL xUMU mkMUr u pUir Ueu
oM, xqkl ur uw M SUl Aml MrMs mU MUl
us lSzM, xWra u xZ M sL Sz u uSz q oM M
xmMMiA AU uMx u iU M Cx r q Aml mh
xWra Sl M sL xp MqcU xSxr M oQ mzx MUl
cWi W |
mql xW Uui
MrmsM lSzM
(mok lSzM u qZr MrMU AkMU-AiU mpU)
DIRECTORS RESPONSIBILITY STATEMENT
The Directors, in preparation of the annual accounts for the
year ended March 31, 2015, conrm the following:
That in the preparation of the annual accounts, the
applicable accounting standards had been followed
along with proper explanation relating to material
departures.
That they had selected such accounting policies and
applied them consistently and made judgments and
estimates that are reasonable and prudent, so as to
give a true and fair view of the state of affairs of the
Bank at the end of the nancial year and of the prot
or loss of the Bank for the period.
That they had taken proper and sufcient care for
the maintenance of adequate accounting records in
accordance with the provisions of applicable laws
governing banks in India for safeguarding the assets of
the Bank and for preventing and detecting fraud and
other irregularities.
That they had prepared the annual accounts on a going
concern basis.
ACKNOWLEDGEMENT
The Bank made several initiatives to maximize rewards for
all its stakeholders, viz., shareholders, customers, investors,
Government, RBI, employees and the public at large.
The Board wishes to place on record its sincere appreciation
to the customers for their patronage, to the shareholders
for their support, to the Government authorities and the
Reserve Bank of India for their valuable guidance and
support, to the Directors who completed their tenure
during the nancial year under review, to the Banks
Correspondents in India and abroad for their co-operation
and goodwill and to all staff members for their full support
in the pursuit of organizational growth and excellence.
PRADYUMAN SINGH RAWAT
EXECUTIVE DIRECTOR
(ADDITIONAL CHARGE AS MANAGING DIRECTOR & CEO )
68
 MUoU EUSriu UmO -2014-15
(xcMUh xqfi M kU 55 M Aiai)
1. Mml M MmUO mWcl x
xZr (xADLl) - sa lW
2. Mml M lq : MlU oM
3. meMi mi : MlU oM, mkl Mrsr, 112 e x UQ,
oas - 560002
4. uoxCO: www.canarabank.com
5. D-qs : edscrt2@canarabank.com
6. xci ur uw : 2014-15
7. exq Mml MrUi W (Ea rMsm MO uU) :
ur xuL, qZr m x oMa
8. Mml U lqi / Emsok MUL e UW il EimS / xuL:
1. jM oMa, 2. ZSU oMa, 3. aqh u Mw oMa
9. Mml U Mil xjl mU rMsm Mr e UW W
i. AiUr xjs M xZr (7 qZr xjs oiL)
eWxoa (Sh ATM), lr rM (xr Uer
AqUM), sSl u sxxOU (r M), WaMa u zbD
(cl eluS mei) ij oWUl (qlq)
EmU EssZi xjl M Asu, oM M milk
Mrsr zUeW, xr AUo AqUi q W Lu qxM,
x q xr Eq oM W rj, Mqzrs oM BT
CQr, LsLsx |
ii. Ms Ur xjs M xZr: 5675
10. Mml U xuL Emsok MUl M qMO - olS xZr 9 ((i))
M iWi EssZi AlxU Ur u AiUr
EmU EssZi xjl M Asu, oM M milk
Mrsr zUeW, xr AUo AqUi q W Lu qxM,
x q xr Eq oM W rj, Mqzrs oM BT
CQr, LsLsx |
pa Z : Mml M ur uuUh
1. mS me ((`q
q) `475.20
475.20 MUQ
2. Ms MUoU ((`q
q) : Ms MUoU `803876 MUQ (Ms
eqL: `473840 MUQ + lus Aaq `330036 MUQ)
BUSINESS RESPONSIBILITY REPORT 2014-15
(Under Clause 55 of Listing Agreement)
1. Corporate Identity Number (CIN) of the Company: Not
Applicable
2. Name of the Company: Canara Bank
3. Registered Address: Canara Bank, Head Ofce, 112,
J C Road, Bengaluru - 560002
4. Website: www.canarabank.com
5. E-mail id: edscrt2@canarabank.com
6. Financial Year Reported: 2014-15
7. Sector(s) that the Company is engaged in (Industrial
activity code-wise):
Financial Services, mainly banking.
8. List three key products/services that the Company
manufactures/provides (as in balance sheet):
1. Wholesale Banking 2. Retail Banking 3. Rural and
Agri-Banking.
9. Total number of locations where business activity is
undertaken by the Company
i. Number of International Locations (Provide details
of major 7)
Johannesburg (South Africa), New York (United
States of America), London and Leicester (UK),
Hong Kong and Shanghai (Peoples Republic of
China) and Bahrain (Manama).
Besides Locations mentioned above, the Bank has
a representative ofce at Sharjah, UAE and a Joint
venture Bank in Moscow, Russia, viz., Commercial
Bank of India, LLC.
ii. Number of National Locations: 5675
10. Markets served by the Company National and
International Market as mentioned under point
number 9 (i).
Besides locations mentioned under Point No.9 (i)
above, the Bank has a Representative Ofce at Sharjah,
UAE and a Joint Venture Bank in Moscow, Russia, viz.,
Commercial Bank of India, LLC.
Section B: Financial Details of the Company
1. Paid up Capital (INR): `475.20 crore
2. Total Turnover (INR): Total Business: `803876 crore
(Total Deposits: `473840 crore + Net Advances:
`330036 crore)
69
3. MU mi Ms sp ((` q) : `2703
2703 MUQ 3. Total prot after taxes (INR): `2703 crore

4. MU mi sp M Mil mizi MmUO xqeM 4. Total Spending on Corporate Social Responsibility

EUSriu mU Ms Zc: (%) : qeUMi mUrel
(CSR) as percentage of prot after tax (%): Sanctioned
2.48% : xuiUh: 1.12%
projects 2.48% Disbursement 1.12%
5. uw 2014-15 M SUl xLxAU M iWi qeU aiukr M
xc: 5. List of activities sanctioned under CSR during 2014-15:

(` sZ q) (` in lakh)
. mrei xuiUi No. of
rMsm qeU Uz Sl Amount Amount
Activity Sponsor-
x. xZr Uz No. Sanctioned Disbursed
ships
L z 395 1296.87 424.67 a Education 395 1296.87 424.67
b Health 136 379.88 290.71
o xuxjr 136 379.88 290.71
c Poverty & 25 268.56 17.91
x aUo AU mwh 25 268.56 17.91 Nutrition

uMsa urr u 39 254.26 85.93 d Persons with 39 254.26 85.93

Q Disability (PwD)&
uuxj
Old age
D Ms AU xxMi 2 20.00 10.00
e Art & Culture 2 20.00 10.00
LT Mzs uMx 7 2121.00 1348.35
f Skill Development 7 2121.00 1348.35
12 11.10 11.10 g Environment 12 11.10 11.10
e mruUh xU
Protection
Lc aqh uMx 11 1852.84 515.94 h Rural Development 11 1852.84 515.94
AD qWs xzMUh 396 60.00 50.00 i Women 396 60.00 50.00
Empowerment
e ur xUi 63 440.00 285.00
j Financial Literacy 63 440.00 285.00
Ms 1086 6704.51 3039.61 Total 1086 6704.51 3039.61

xuMi mrel M ZQ uU uaMUh : Segment-wise classication of Sponsorships sanctioned:

L) z ((` sZ q) a. Education (` in lakh)

. qeUi xuiUi Sl Name of Amount Amount

Sl aW M lq Ezr Purpose
x. Uz Uz No. Donee Sanctioned spent
144.00 0.00 1 Womens college, Construction of 144.00 0.00
1 qWs Mse, Mse pul M
cMossmU lqh Chikkaballapur college building

59.50 0.00
2 qWs Mse, WDOM 2 Womens college, Construction of 59.50 0.00
cMossmU mxiMsr M Chikkaballapur hitech library
lqh
1.32 1.32
3 eLxLxLx mzh MlS 3 GSSS Charitable Computers for 1.32 1.32
cUOos TEQzl Wi MmrOU Foundation, training centres
Bengaluru

70
4 xQ xuhuss S M aW M 10.00 0.00 4 Sonda Swarnavalli Construction 10.00 0.00
vidya samsthe, of two class
u xqxj, Wos lqh Hubli rooms
5 MHN Govt. Pre Provided 3.30 3.30
5 LqLcLl xUMU 10 QxMOm 3.30 3.30 University College, 10 desktop
m-rluxO MmrOU Emsok Hubli computers
Mse, Wos MUr ar 6 Swamy Programme at 9.00 4.5
Vivekananda Youth VLEAD Mysore
6 xuq uuMlS uLsDLQ qxU 9.00 4.5 Movement Mysore
rj quqO qxU q Mrq

7 Sri Akhila Havyaka Construction of 10.00 4.00

7 AZs WurM mxiMsr M 10.00 4.00 Mahasabha , library room
Bengaluru
qW xp, oas M lqh
8 Madhyamika Solar lighting 1.36 1.17
Shikshana Prasara and water
8 qkrqM zh usr Wi xU 1.36 1.17 Samithi ,Hubli heater for
mxU xqi, mMz AU uOU schools
Wos WOU 9 Higher Primary Computers and 0.93 0.93
school, Balesara LCD portable
9 WrU mCqU 0.93 0.93 projector
xMs, osxU 10 MSV Group of Construction of 10.00 10.00
Institutions , class rooms
Bengaluru
10 LqLxu am BT M aW M 10.00 10.00
11 Sri Construction 9.20 3.94
CxOzl, oas lqh Sangameshwara of dining and
Kannada prayer hall
11 xaqU pel AU mjl 9.20 3.94 Higher Primary
MQ WrU mCqU M M lqh school,Bengaluru
xMs, oas 12 Mandya Dist.Admn Renovation of 5.0 0.00
Mandya Govt. school at
12 q es ollaQ q 5.0 0.00 Banangadi
13 Government 4 computers 1.72 1.72
mzxl - q xUMU xMs Higher Primary and accessories
M luMUh school , Bandal 4 for school
computers and
13 aulqO WrU xMs Wi 4 1.72 1.72 accessories for
mCqU xMs, MmrOU u xql school, Hubli
14 Sri Gajanana Providing 8 1.15 1.15
oQs, Wos Vidyavardhaka channel CCTV
Sangha, system to
14 aell xMs M 8 1.15 1.15 Sampakhand school
uukM xb, cls xxOu Sirsi providing
xqmZQ, xUx mhs Emsok 8 channel CCTV
system to school,
MUl Sirsi
15 SELCO Foundation E-shala at 15 7.05 0.00
15 xsM TEQzl, 15 xUMU xMs 7.05 0.00 - E shala at 15 Government
EU MQ es q D-zs Govt. schools, schools
Uttara Kannada
16 uuMllS xMs ox xuUe 14.23 14.22 dist.
zhM xxjl, qeS Emsok 16 Sri Vivekananda Providing 14.23 14.22
Educational school bus
WulWSass MUl Institute, Swaraj Mazda
Huvinahadagali
17 UxOjl mUwS, ul so M 14.25 0.00 17 Rastrothan Setting up 14.25 0.00
oasU xjml Parishad, Science lab
Bengaluru

71
 18 Sur Sm cUOos WxOs u M q 9.47 0.00 18 Divya Deep E Llearning 9.47 0.00
OxO, qxU D-sla xuk Charitable trust , facilities and
u xU mMz Mysore solar lighting
to hostels and
19 oq aqh uMx aqh xUMU 4.32 0.00 classrooms
xaPl xMs N M 19 Beem Rural Supplementary 4.32 0.00
AlmUM z Development education
Mrq Organisation programme
supplementary to Rural Govt.
20 mx UqU xMs M MmrOU 10.00 0.00 education school children
aqh z Emsok MUl programme to
xqi, WxSa Rural Govt. school
- zuqa children, Bengaluru
20 Sri Prasanna Providing 10.00 0.00
21 qslQ z clSl xMs M 10.00 10.00 Rameshwara Rural computers to
u aqh uMx xMs ox Education Society, school
xqi, xUx Hosadurga
Shimoga
22 Su zh M M lqh 9.90 0.00 21 Malenadu School bus 10.00 10.00
xqxj, WsMs Education & Rural to Chandana
Dev.society, Sirsi school
23 xqlur OxO os pUi WrU 9.95 0.00 22 Sridevi Shikshana Construction of 9.90 0.00
olSa mCqU xMs q Samsthe, Hulikal class rooms
BQOUrq M
lqh 23 Samanvaya Trust Construction 9.95 0.00
Bandagadde of Auditorium
24 eos z TQ, oM oM Wi 10.00 10.00 at Balabharathi
Mmx Higher Primary
oas school
25 pUi sM z LMs xMs M 4.00 0.00 24 Jubilee Education Corpus fund for 10.00 10.00
mUwS, lD Sss Amlr el Fund, Bengaluru book bank
25 Bharat Lok Shiksha Adoption of 4.00 0.00
Parishad, New Ekala schools
26 xoUqi Aq, mzA Wi 56.05 56.05 Delhi
AWqSoS zcsr M
lqh 26 Sabarmati Ashram, Construction 56.05 56.05
Ahmedabad of toilets for
27 aeUi aulqO xUMU Mqx 4.81 4.81 trainees
Mqx Mse, Mse q xqO 27 Gujarat Govt Setting up 4.81 4.81
aeUi Ysx M xjml Commerce College, of smart
Gujarat class in Govt
28 mrx xzs 450 N M 10.00 10.00 Commerce
usTrU xxCO, l:zsM z college
TUSoS 28 Prayas Social Free education 10.00 10.00
Welfare Society , to 450 students
29 ql sCT ur xUi u 9.60 0.00 Faridabad
TEQzl, qqoD QO WsmsCl 29 Money Life Financial 9.60 0.00
Foundation, literacy and
30 O Lq Acr sQMr Wi 10.00 10.00 Mumbai credit helpline
xqUM OxO, Nux 30 T M Acharya Hostel for girls 10.00 10.00
uQSU Smarak Trust,
Vadodara
31 Mzl xql D-zs xqO 9.54 0.00
xMs, siU M 31 Shri Kishan Somani E shala smart 9.54 0.00
School, Latur class rooms
32 es mzxl, Mzs uMx 7.50 7.50 32 District Provided 50 7.50 7.50
cU Wi 50 MmrOU Administration, computers
Emsok MUr ar Trichur for skill
development
33 xUxui zz xMs Wi MmrOU 13.27 13.27 33 Saraswathi Shishu Computers for 13.27 13.27
qlSU, qUP Mandir, Meerut schools
34 Saraswati School bus 9.95 9.95
34 xUxui WqclS xMs ox 9.95 9.95 Hemchand Tyagi
ira xUxui Saraswati Vidya
u qlSU qUP Mandir Meerut

72
35 Ar l uMx asx AU eri 3.00 0.00 35 Akshay Gyan Vikas Construction of 3.00 0.00
xxjl, sZlF oOx LMQq Sansthan,Lucknow toilets for girls
Wi zcsr M Akshar Jyothi
lqh BTC Academy
T Q x BT LMs xMs M 36 Friends of tribal Adoption of 4.00 0.00
36 4.00 0.00 society,Coimbatore Ekala schools
OCos xxrO, Amlr el
MrqoiU 37 Swachha Vidyalaya Toilet for girls 500.00 0.00
campaign Dindigul in 200 Govt.
37 QQas u qSU QQas u qSU 500.00 0.00 and Madurai dists. schools in
es q xucN es q 200 Dindigul and
usr Aprl xUMU xMs Madurai dists
q sQMr Wi 38 Govt. Tribal Installation of 7.75 0.00
zcsr Residential solar lighting
Primary School, system and RO
38 xUMU OCos xU mMz mhs 7.75 0.00 Karumandurai, water plant
UxQzrs u AUA uOU Salem
mCqU xMs, msO M xjml 39 Construction of Construction 2.6 2.6
MqlSU, xsq toilets at Schools, of toilets at
39 zcsr M xMs q zcsr 2.6 2.6 Purnea Schools
lqh - xMs M lqh 40 Rural Development Construction 0.00
q, mhr Trust Ananthapur of two school 10.00
buildings
40 aqh uMx S xMs osQa 0.00 41 District Installation of 2.06 0.00
lrx, AlimU M lqh 10.00 Administration, incinerators
Cuddalore to Govt.High
41 es mzxlp MQsU es q 2.06 0.00 school in
MQsU xUMU WD xMs Cuddalore dist.
q ClxlUOx M 42 Sanathan Dharma Purchase of 0.74
xjml Girls College, computers 0.74
42 xlil kq asx MmrOU M ZUS 0.74 Mussorie
Mse, qxU 0.74 43 Canara Vidya Scholarship 124.60 153.00
Jyothi scholarship to SC/ST girls
43 xp Acs q A.e./A.e.e. 124.60 153.00 Implemented in all students
Mrui MlU NA Wi circles
u eri Nu 44 Ajim Premji Scholarship to 31.25 0.00
Nu University, 25 PG students
Bengaluru
44 Aeq mqe 25 me N M 31.25 0.00
Nu 45 Various branches Furniture 110.50 90.50
rluxO, oas of Canara Bank items, Desk &
benches,
45 MlU oM M TlcU qS, QxM 110.50 90.50 computers,
up zZL u oc, MmrOU, water purier,
uOU mrUTrU, note books,
lOoM, oa, AS bags etc.,
Ms 1296.87 424.67 Total 1296.87 424.67

o) xuxjr b. Health
(` sZ q) (` in lakh)
Amount
. Sl aW qeUi xuiUi Sl Name of Amount
Ezr Purpose spent/
x. M lq Uz Uz No. Donee Sanctioned
debited
1 erSu CxOO MQrM Mjso 75.00 75.00 1 Jayadeva Institute of Installation of 75.00 75.00
BT MQrse - M xjml Cardiology cardiac cardiac cathlab
MQrM Mjso cathlab

73
2 srx AD WxmOs, EmMUh u 9.64 2 Lions Eye Hospital, Equipments and 9.64 9.64
oUMU elUOU 9.64 Barkur generator

3 Goraguntepalya Blood donation 0.10 0.10

3 aUaOmsr rj U-Sl Mqm 0.10 0.10 Youth Association camp
LxxLzl
4 Prajwal M Nayak, Participation in 0.40 0.40
Yogasana International
4 meeus Lq lrM, AiUUr 0.40 0.40 competition
raxl mirai q
paSU
5 TSS Shripad Hegde Ambulance for 10.00 10.00
Kadave Institute hospital
5 OLxLx mS WaQ Axmis Wi 10.00 10.00
MSu CxOO Lqosz

6 M/s Arkajyothi Assistance to 5.00 0.00

6 qxx AMeri AsQ Le Wq 5.00 0.00 Welfare Trust old age home
usTrU OxO M xWri
7 Nemmadi Sri Old Age home 7.54 6.70
Lakshminarasimha amenities
7 lqqQ AsQ Le Wq 7.54 6.70 Trust
sqlUxqW OxO xukL

8 xlkr Sm oas Uar Wi xCQ 0.50 0.50 8 Sandya Deepa Side rack for 0.50 0.50
UM Bengaluru patients

9 Omashram Trust Purchase of 3.80 3.80

9 Aqq OxO DM uWl M 3.80 3.80 purchase of Eeco Eeco vehicle
ZUS vehicle

10 Tx - DM u 9.90 9.90
qlur Axmis WqQrsxx
AUuLq TEQzl qzl 10 FOSA Humanitarian Eeco and 9.90 9.90
hospital RVM Haemodialysis
Foundation machine
11 us COUlzls Ei l 9.20 9.20
CxOrO BT SZps M 11 Vittala International Refurbishment 9.20 9.20
Bmjsqse lulMUh Institute of of Advanced
``lrl'' Ophthalmology eye care unit
Nayana
12 MlU oM UWi u xu Axmis 40.00 20.15
Msrh xqi Wi EmMUh 12 Canara Bank Relief & Equipments 40.00 20.15
Welfare society for Sevakshetra
hospital
13 CQrl UQ x qqaT CMD 28.00 17.40
xqi, mh 13 Indian Red Cross, Mammography 28.00 17.40
Society, Pune unit

74
14 qsoU MxU xOU, Oqm OusU M 9.35 9.35 14 Malabar Cancer Purchase of 9.35 9.35
ZUS centre, Tellicherry tempo traveller
OscU
Tempo traveller
15 Anugraha Charitable Purchase of 4.40 4.40
15 AlaW cUOos OxO, qi DM 4.40 4.40 Trust, Ernakulam Eeco ambulance
LUhMsq Lqosx M Maruthi Eeco
ZUS ambulance
16 Navoothan Mobile cancer 10.00 10.00
16 lujl cUOos qoCs MxU 10.00 10.00 Charitable unit
TElQzl rlO Foundation
17 District Hospital Linear Accelator 25.00 0.00
17 es Axmis MxU EmcU Wi 25.00 0.00 Ernakulam device for
LUhMsq UZr iuUM cancer
treatment
18 CQrl UQ x MOM osQ oM 7.88 0.00 18 Indian Red Equipments for 7.88 0.00
xxCO, pulU Wi EmMUh Cross Society, Cuttack blood
Bhubaneshwar bank
19 asos MxU qzl, MxU eaMi 7.50 7.50 19 Global cancer Cancer 7.50 7.50
qqoD Mqm mission, Mumbai awareness
camps
20 xUMU es Emxkl M xj 6.51 6.51 20 Government District Force cruiser 6.51 6.51
Axmis, MU Tx eU uWl
Hospital, Karur vehicle with
accessories
21 14.80 14.80
uMOU 21 Sri Venkateshwara Procuring 14.80 14.80
UqlUrh Cr Lqosx mmi Ramnarayan Ruia Ambulance
aulqO elUs MUl Govt. General
WxmOs, imi Hospital, Tirupati
22 Swami Vivekananda Mobile Health 14.36 14.36
Institute, care unit
xuq uuMllS qoCs Wsj
22 14.36 14.36 Pavagada
CxOO, muaQ MrU rlO
23 Various branches of Conducting 81.00 61.00
Wsj cM Am Canara Bank health check
up camps,
Mqm, USl
blood donation
Mqm, QOs
camps, dental
cM Am Mqm
MlU oM M up check up camps,
23 Arei MUl, 81.00 61.00 providing
zZL
Axmis M medical
qQMs EmMUh instruments to
Emsok MUl hospitals etc.,
AS

Ms 379.88 229.71 Total 379.88 229.71

75
x) aUo u mwh c. Poverty & Nutrition:
(` sZ q) (` in lakh)

. qeUi xuiUi Sl Name of Amount Amount

Sl aW M lq Ezr Purpose
x. Uz Uz No. Donee Sanctioned spent

1 Arm xucsi UxD 250.00 0.00 1 Akshayapatra Setting up of 250.00 0.00

TElQzl, oas aW M xjml Foundation, Automated
Bengaluru kitchen
2 M Lx AU O Alxkl xWri 8.84 8.84
AD, qxU mS ASuxr 2 KSRTI, Mysore Four wheeler 8.84 8.84
M sL cU for research
mWr uWl assisted tribals
3 Sisters of charity Furniture and 2.32 2.32
3 xxOx BT TlcU u xU 2.32 2.32
cUO BT xO mMz mhs of St Anne, solar lighting
L, oas Bengaluru system
4 Nivasa Smokeless 0.65 0.00
4 lux - bU Wi kqUWi 0.65 0.00 Thimmayandoddi stoves to
jqqrlQQQ xOu households
5 Sri Sai Spiritual Delivery van 6.75 6.75
5 xD xMs N M 6.75 6.75 centre, Bengaluru with aluminium
AkriqM MlS, pel Sl Wi
Asrqlrq container for
oas
MOlU xWi feeding for
QsuU ul school children

Ms 268.56 17.91 Total 268.56 17.91

b. uMsa (m Qosr Q) d. Persons With Disability (PwD):

(` sZ q) (` in lakh)

. qeUi xuiUi Sl Name of Amount Amount

Sl aW M lq Ezr No. Donee
Purpose
x. Uz Uz Sanctioned spent

1 1 Snehadeep Trust, Computers for 5.35 5.35

xlWSm OxO lWl N Wi 5.35 5.35 computers for blind children
MmrOU blind children
2 2 Shree Ramana Construction 2.05 2.05
Uq qWw ojq / OrsO M 2.05 2.05 Maharshi of bathroom/
LMQq TU lqh Academy for Blind toilets
osCQ, oas Bengaluru

3 MlU oM UWi xu 3 Canara Bank Braille 42.50 0.00

42.50 0.00 Relief & Welfare transcription
u Msrh xqi Axmis Wi os society centre
misZl MS equipments
EmMUh for Sevakshetra
hospital

76
 4 4 Karnataka Parents Construction 10.00 0.00
MlOM mUOx qOs UOUQQ urr 10.00 0.00 Association for of building
Lxxrzl Wi osQa M lqh Mentally Retarded for mentally
TU qOs Citizens (KPAMRC) retarded
UOUQQ xOel persons
(MmLLqAUx) 5 Association Renovation of 5.20 0.00
for mentally bathrooms/
5 challenged , toilets
Lxxrzl TU ojq / OrsO M 5.20 0.00
Renovation of
qOs cse, luMUh bathrooms/toilets
6 6 Seva Niketan Construction 70.00 33.93
xu lMil uMsa Wi mzh u 70.00 33.93 Raipur of training and
UrmU mlux MlS M lqh construction rehabilitation
of training and centre for
7 rehabilitation disabled
LYzl TU MUrU uMx M M 59.56 0.00
center for disabled
LosO xjml
7 Action for Ability Setting up 59.56 0.00
QusmqO LQ
Development & of career
ClYsel, lD inclusion, New development
Sss Delhi cell
8 8 ALIMCO Distribution of 30.00 30.00
LsqM - Mq Aa M xuiUh 30.00 30.00 Articial Limb articial limb
Mq Aa lqh Manufacturing
M., MlmU Co., Kanpur
9 Jayadeeban Sports kit for 0.10 0.10
9 sports,Bengaluru International
erSol - AiUUr mirai M 0.10 0.10 competition
xmOx oas sL Zs MO
10 Various branches Assitance to 29.50 14.50
10 of Canara Bank physically/
MlU oM M zUUM / qlxM 29.50 14.50 mentally
up zZL m x Aq M sr challenged,
xWri, uWl, EmMUh, providing
AS mSl MUl vehicles,
equipments,
etc.,
Ms 254.26 85.93
TOTAL 254.26 85.93

Q. Ms u xxMi e. Art & Culture:

(` sZ q) (` in lakh)
. Sl aW M lq Ezr qeUi xuiUi Sl Name of Purpose Amount Amount
x. Uz Uz No. Donee spent/
debited
1 qxi uMOz Ua qlSU M 10.00 0.00 1 Sri Masthi Renovation of 10.00 0.00
AraU Ua qlSU luMUh Venkatesh Ranga Mandira
Iyengar Ranga
Mandira
2 Q. cQqh Nu oll M 10.00 10.00 2 Dr Art of Image 10.00 10.00
llSams Ms Choodamani making
Nandagopal
Ms 20.00 20.00 Total 20.00 20.00

77
c. Mzs uMx f. Skill Development:
(` sZ q) (` in lakh)
. Sl aW M lq Ezr Uz xuiUi Sl Project/Activity Purpose Amount Amount
x. Uz No. spent/
debited
1 uMxl Mzs uMx 3.00 0.00 1 Vikasana IIMB Skill 3.00 0.00
ADADLqo Mrzs social service club development
xzs xux workshop
Yso
2 Rotary Club Online 10.00 0.00
2 UOU Yso BT oAUDO xsrzl 10.00 0.00 of Bengaluru coaching
oas, sMxCQ M qkrq x Lakeside through BReT
BlsCl Mca solutions
3 Canara Bank Providing 1468.00 1050.00
3 MlU oM zioS xmh pUiuw q 1468.00 1050.00 Centenary Rural training cost
aqh uMx 26 AUxO, 3 Development Trust of 26 RSETIs, 3
OxO (QxO) AOzl Ola (CBCRD) Artisan Training
CxOO u 5 Institutes and
xoADADO 5 CBIITs all over
M mzh sai India
Emsok MUl 4 Rural 40% training 580.00 260.00
4 aqh uMx xmh pUiuw 580.00 260.00 Development & expenditure of
Lu xuUeaU q xp 27 Self Employment all 27 RUDSETIs
mzh xxjl AUrQxO M training all over India
(QxO) 40% mzh urr institute(RUDSETI)
5 S z mQ a qh SzmQ 50.00 38.26 5 Deshpande Rural Providing 50% 50.00 38.26
uMx mzh AUrQxO, Development of training
xxjl Wsrs M mzh Training Institute expenditure
(Q QxO), urr M 50% (DRUDSETI), of Deshpande
Wsrs Emsok MUl Haliyal RUDSETI,
6 Alk mSz LmoADAUDQ 10.00 0.09 Haliyal
aqh u Eqi xxjl M mzh 6 Andhara Pradesh Providing 10% 10.00 0.09
uMx oMx sai M 10% Bankers Institute of training cost
xxjl Emsok MUr el of Rural and of the APBIRED
(LmoADAUDQ) Entrepreneurship Institute
Dev (APBIRED)
Total 2121.00 1348.35
Ms 2121.00 1348.35

N. mruUh g. Environment:
(` sZ q) (` in lakh)
. Sl aW Ezr Uz xuiUi Sl Name of Purpose Amount Amount
x. M lq Uz No. Donee spent/
debited
1 MmUzl xO zWU M xTD 10.00 10.00 1 Corporation City cleaning 10.00 10.00
BT mhe, au M Ezr city of Panaji, purpose
- OO OmU Goa Tata
tipper
2 mruUh xUh Aprl 1.10 1.10 2 Environment Organising 1.10 1.10
xxjl Arei MUl Protection campaigns
Institute
Ms 11.10 11.10 Total 11.10 11.10

78
e) aqh uMx h. Rural Development:
(` in lakh)
(` sZ q)
Sl Name of Purpose Amount Amount
. Sl aW M lq Ezr Uz xuiUi No. Donee spent/
x. Uz debited
1 KAVFS Bidar Mobile van for 3.82 3.82
1 MLuLTLx, mz cMix 3.82 3.82 veterinary care
oSU SZps Wi
qoCs ul
2 Deshpande Solar lanterns 30.00 0.00
RUDSETI, Haliyal to rural self help
2 SzmQ QxO xur xWri 30.00 0.00 group households
Wsrs xqW M bU Wi 3 Sri Lakshmi Construction of 2.00 0.00
xU ssOl Narasimha Trust, water tank
Murulya
3 sq lUxqW uOU OM M 2.00 0.00
4 Ramnagar RO RO water plant 7.40 0.00
OxO, qsr lqh water plant, Sirsi installation
4 UqlaU AUA AUA uOU 7.40 0.00 5 Initiatives for Ford Incubation 8.44 0.00
uOU msO, xUx msO xjml Development centre at
Foundation, Belgaum
5 uMx TElQzl osaq q TQ 8.44 0.00 (IDF)
Wi mWs, Fwqrl MlS 6 Construction of Construction 8.75 0.00
(ADQLT) Road & Drainage of Road and
in Chinakarihally Drainage
6 clMUWss es q xQM 8.75 0.00 Vakkalegere
usaU MSU u eslMx M Kadur hobli
Wos cMqasU lqh Chickmagalur
Dist.
7 OAUADLTDQ - OCos Wl WOU 2.02 2.02
7 TRIFED Training to tribal 2.02 2.02
OCos Wl WOU M mzh
training to Tribal honey hunters
M mzh Honey Hunters
8 iqslQ Mw Oqm OusU 9.51 0.00 8 Tamilnadu Tempo traveler 9.51 0.00
uusr, qSU Lqosx Agricultural ambulance
University,
9 UxmUq laU- zqxl M 5.00 0.00 Madurai
msM - xsq lqh 9 Rasipuram construction of 5.00 0.00
Municipality crematorium
10 AlimU es 5 au q AUA 10.00 0.00 Salem
mzxl msO 10 Ananthapur RO plant in 5 10.00 0.00
District villages
11 S Lxxrzl aqh xqSr 7.90 7.90 Administration
BT MjsM mO uMx Wi
osrU qWlS osU 11 The Association Mahindra Bolero 7.90 7.90
of Catholic Port vehicle for rural
uWl
Blair community
12 AUA mr es MsU u 1758.00 91.89 development
xr cMossmU
12 RO drinking Installation of RO 1758.00 91.89
es M 217 water plants drinking water
au q AUA plants in 217
mr es msO villages in Kolar &
M xjml Chikballapur dist.

79
 13 LMMi aS sr ar 63 410.31 13 Integrated Holistic 410.31
aqh uMx au q xqa village development
Mrq uMx development in adopted 63
programme villages
(MlU
(Canara
aqa rel) Gramodaya
scheme)
Ms 1852.84 515.94
Total 1852.84 515.94

AD) qWs xzMUh: i. Women Empowerment :

(` sZ q) (` in lakh)
. mUrel/ Ezr Uz xuiUi Sl Project/ Purpose Amount Amount
x. aiuk Uz No. Activity spent/
debited
1. MlU oM mkl qWsA Wi 60.00 50.00
Mrsr, Acs Eq uMx 1. Canara Organizing 60.00 50.00
Banks entreprenuship
Mrsr qWs Mrq,
Head ofce, development
Eqi uMx mUqz xuL, Circle programmes to women,
MlS qWs Eqr ofces counseling of women,
Wi umhl CEDW organizing marketing
Mqm AEOsO centres camps outslets for
Arei MUl women entrepreneurs

e) ur xUi: j. Financial Literacy :

(` in lakh)
(` sZ q)
Sl Project/ Purpose Amount Amount
. mUrel/ Ezr Uz xuiUi No. Activity spent/
x. aiuk Uz debited
1. 65 MlS eli M l:zsM 440.00 285.00 1. Financial 65 Financial 440.00 285.00
mU ur xUi mUqz xuL Sl literacy literacy centres
MlS Wi es/osM centres at opened at
(LTLsx) xiU mU 65 ur 65 centres District/block
xUi MlS (FLC) levels for giving
free counseling
Zs aL
to public
pa a: Alr uuUh
uuUh Section C: Other Details
1. Yr Mml M MD Alwa Mml / Mmlr W? 1. Does the Company have any Subsidiary Company/
W, Mml M xi bUs Alwar, LM xWra Mml AU Companies?
uSz q LM xr Eq W - Yes. The Company has seven domestic subsidiaries, an
associate company and a Joint Venture at an overseas
M) MloM ucU MmOs TQ s. .
destination, viz.,
Z) MloM TYOU s.
a) Canbank Venture Capital Fund Ltd.
a) MlU oM xYrUUOe s.
b) Canbank Factors Ltd.
b) MloM MmrOU xuxe s. . c) Canara Bank Securities Ltd.
X) MloM TCllxrs xuxe s. d) Canbank Computer Services Ltd.
c) MlU UoM LxO qleqO Mml s. e) Canbank Financial Services Ltd.
N) MlU LcLxox Aox sCT ClzrUlx Mml s. f) Canara Robeco Asset Management Company Ltd.
g) Canara HSBC OBC Life Insurance Company Ltd.
e) Ml Tl Wqx s. (xWra Mml) h) Cann Homes Ltd., (Associate Company).
f) LxoAD M xj qxM q Mqzs oM BT CQr i) Commercial Bank of India LLC, in Moscow in
LsLsx (xr Eq) association with SBI (Joint Venture).

80
2. Yr Alwa Mml/Mmlr oAU mWs q miM Mml
M xj pa si W? rS W W Lx Alwa(r) M xZr
S|
W, LM Alwa Aji MlU LcLxox Aox eul oq
Mml s. oAU mWs q pa si W|
2. Do the Subsidiary Company/Companies participate in
the BR Initiatives of the parent company? If yes, then
indicate the number of such subsidiary company(s).
Yes. One Subsidiary, viz., Canara HSBC OBC Life
Insurance Company Ltd. is involved in BR initiatives.

3. Yr Alr xxj/xxjL (rl AmiM, uiUM AS) e 3. Do any other entity/entities (e.g. suppliers, distributors
M Mml M xj MUoU MUi W, o AU mWs q pa si etc.) that the Company does business with, participate
in the BR initiatives of the Company? If yes, then
W? rS W i Lx xxj/xxjA M mizi SzL| ( 30%
indicate the percentage of such entity/entities? [Less
x Mq, 30-60%, 60% x erS) than 30%, 30-60%, More than 60%].
zlr Nil
pa b : MUoU EUSriu xcl Section D: BR Information
1. oAU M sL EUSr lSzM / lSzM M uuUh 1. Details of Director/Directors responsible for BR
M) oAU msx / msxr M Mrlui MUl M sL eqqSU a) Details of the Director/Directors responsible for
lSzM / lSzM M uuUh : implementation of the BR policy/policies
. orU uuUh S. Particulars Details
x. No.
1 QADLl xZr (rS sa W i) 06701854 1 DIN Number (if applicable) 06701854
2 lq mql xW Uui 2 Name Shri P S RAWAT
3 mSlq MrmsM lSzM 3 Designation Executive Director

Z) oAU mkl M uuUh b) Details of the BR head

. orU uuUh S. Particulars Details
x. No.
1. QADLl xZr (rS sa sa lW 1. DIN Number Not Applicable
W i) (if applicable)
2. lq Lx Lx pO 2. Name Shri S S Bhat
3. mSlq qZr qW mokM 3. Designation Chief General Manager
4. SUpw 080 22128840 4. Telephone number 08022128840
5. D-qs pcw@canarabank.com 5. e-mail id pcw@canarabank.com

2. xi-uU (Llue M AlxU) oAU msx / msxr (W / lW q EU)

.x. mzl m
m11 m
m2
2 m
m33 m
m44 m
m55 m
m66 m
m77 m
m88 m
m9
9
1. Yr AmM mx ---- M sL msx/msxr W. W W W W W W W W W
2. Yr msx zrUkUM M mUqz M xj olr ar W?
W W W W W W W W W

3. Yr msx Ur /AiUr qlM M Alm W? rS W, oiL ( Mus 50

W W W W W W W W W
zoS)
4. Yr msx oQ U AlqSi W? rS W i Yr rW LqQ/xDA/Emr
W W W W W W W W W
oQ lSzM U WxiUi W?
5. Yr Mml msx M Mrlurl M mruh MUl M sL oQ/lSzM/
W W W W W W W W W
AkMU M MD ulS xqi W?

81
 6. msx M BlsCl SZl M sL sM SzL| $ W W W W W W W W W
7. Yr msx M xp AiUM ij o zrUkUM M xci Mr ar W? W W W W W W W W W

8. Yr Mml q msx/msxr M sa MUl M sL AiUM uruxj W?. W W W W W W W W W

9. Yr Mml q msx/msxr x xoki zrUkUM M zMri M SU
MUl M sL msx/msxr x xoki zMri luUh i W? W W W W W W W W W

10. Yr Mml l Cx msx M rlurl M sL xui sZ mU /

lW lW lW lW lW lW lW lW lW
qsrMl MUur W?
$www.canarabank.com

2. Principle-wise (as per NVGs) BR Policy/policies

(Reply in Y/N)
S. No. Questions P1 P2 P3 P4 P5 P6 P7 P8 P9
1. Do you have a policy/policies for.... Y Y Y Y Y Y Y Y Y
2. Has the policy being formulated in consultation with the relevant Y Y Y Y Y Y Y Y Y
stakeholders?
3. Does the policy conform to any national /international standards? Y Y Y Y Y Y Y Y Y
If yes, specify? (50 words)
4. Has the policy being approved by the Board? If yes, has it been signed
by MD/Owner/CEO/Appropriate Board Director. Y Y Y Y Y Y Y Y Y

5. Does the company have a specied committee of the Board/ Director/ Y Y Y Y Y Y Y Y Y

Ofcial to oversee the implementation of the policy?
6. Indicate the link for the policy to be viewed online? $ Y Y Y Y Y Y Y Y Y
7. Has the policy been formally communicated to all relevant internal Y Y Y Y Y Y Y Y Y
and external stakeholders?
8. Does the company have in-house structure to implement the policy/ Y Y Y Y Y Y Y Y Y
policies.
9. Does the Company have a grievance redressal mechanism related to
the policy/policies to address stakeholders grievances related to the Y Y Y Y Y Y Y Y Y
policy/policies?
10. Has the company carried out independent audit/evaluation of the N N N N N N N N N
working of this policy by an internal or external agency?
$www.canarabank.com

2M)
M) rS . x 1 M Mx xi M EU lW W i Mmr MUh oiL ( uMsm 2 iM c saL)
.x. mzl m
m11 m
m22 m
m3
3 m
m44 m
m55 m
m66 m
m7
7 m
m88 m
m99
1 Mml xi M lW xqf mD W
2 Mml Ap Ex xji q lW W M ulS xi M sL msx
olL u Ex sa MU mL|

3 Mml M mx Cx Mq M sL ur r qlur xxkl lW W

4 Aas 6 qWl q Cx MUl M rel W

82
 5 Aas 1 xs q Cx MUl M rel W
6 Alr MD MUh ( Mmr oiL) oM l Aml xii uMx ij MmUO xqeM
EUSriu li M mri M W AU ClM
Mrlurl M laUl xii uMx xqi ij
MmUO xqeM EUSriu xqi U Mr
eLa |
2a. If answer to S.No.1 against any principle, is No, please explain why: (Tick up to 2 options)

S.No. Questions P1 P2 P3 P4 P5 P6 P7 P8 P9
1 The Company has not understood the Principles
2 The company is not at a stage where it nds itself in a
position to formulate and implement the policies on specied
principles
3 The company does not have nancial or manpower resources
available for the task
4 It is planned to be done within next 6 months
5 It is planned to be done within the next 1 year
6 Any other reason (please specify) Bank has formulated its Sustainable
Development and Corporate Social
Responsibility Policy and the implementation
of the same would be monitored by the
Sustainable Development and Corporate
Social Responsibility Committee.

3. oAU x xoki Apzxl 3. Governance related to BR

Mml M oAU M lwmSl M lSzM qQs, oQ M xqi
r xDA U Mil AiUs mU AMsl Mr ei W| 3
qWl q , 3-6 qWl q, xsl, LM xs x erS
3-6 qWl
Yr Mml oAU r xjUi UmO mMzi MUi W? Yr Cx
UmO M SZl M sL WDmUsM W? Cx Mil AiUs mU
mMzi Mr ei W?
UmO uwM m x mMzi Mr e UW W AU WCmU
sM mU Emsok MUr ar W |
pa Q. : xi uU lwmSl
xi 1 : MUoU liMi,
iMi, mUSzi AU euoSW M xj
Mr eL ij xur lri W|
1. Yr liMi, UiZU AU pcU x xoki li Mus
Mml mU W muUi W? W / lW
Yr rW xqW / xr Eq / AmiMi / PMSU / aU
xUMU xaPl / Alr mU sa W?
W | oM M oQ U AlqSi MmUO mzxl li W e
M xp zrUkUM rl eqMA, zrUkUM, aWM,
Indicate the frequency with which the Board
of Directors, Committee of the Board or CEO to
assess the BR performance of the Company. Within
3 months, 3-6 months, Annually, More than 1 year
3-6 months
Does the Company publish a BR or a Sustainability
Report? What is the hyperlink for viewing this report?
How frequently it is published?
The Report published annually and made available
under the hyperlink www.canarabank.com/english/
scripts/Annualreport.aspx
Section E: Principle-wise Performance
Principle 1: Businesses should conduct and govern
themselves with Ethics, Transparency and Accountability
1. Does the policy relating to ethics, bribery and
corruption cover only the company? Yes/ No.
Does it extend to the Group/Joint Ventures / Suppliers/
Contractors/NGOs /Others?
Yes. The Bank is having a Board approved Corporate
Governance Policy, which is drawn with an overall 3.

83
 EkUMA, MqcUr AU xqe M MmUO qsr, AcU
xWiA ij Alr Eci uruWU M qlM M AlxUh
MUi WL xii qsr M AlMsl MUl M xqa Ezr M
xj irU M ar W| MmUO aulx msx Alwar mU
p sa W|
oQ M Alqi x oM l xqW eZq mokl (eAULq)
msx olD W| Cx msx M Aiai Alwar/xr Eq
/ AU oM U mrei r aqh oM p Ai W|
eZq AkUi AiUM sZmU M xqr MNM xOT
Zi M ec M ei W| xOT Zi q `50000/- x
AkM M slSl M laUl BTsCl slSl laUl
mhs U M ei W|
oM q zZA/rlO/Mrsr M lS AukMi mU
lUh MUl M sL xcl mhs AQO xWi lUh
mhs (AUoADL) W|
2. uai ur uw q Mil zrUkUM zMri mmi WD W AU
El q x Mil mizi M mokl U ximuM xsfr
ar W? rS W i sapa 50 zoS q uuUh S|
zrUkUM zMri: uw 2014-15 q oM l zrUkUM x
1649 ApruSl / zMri mmi M ij xp zMri M
luUh ximuM Mr ar |
AkMz zMri spz mmi lW Wl x xoki W| CxM
MUh xoki zrUkUM U Aml mi M Ail lW MUl
W| zMri SU MUi xqr oM l ElM mi Ail MUl,
oM uuUh mmi MUl, DxLx AkMU-m (AuzrM Tq
Emsok MUMU) sl ex MSq EPL W iM SoU Lx
bOlA x oc e xM|
aWM zMri: uw 2014-15 M SUl oM l 108836
zMri mmi M ij 99% M ximuM lmOr ar|
oM l Aml aWM xu M oWiU oll M sL up
EimS / xuL, Ei iMlM, MqcU mzh ij aWM
M mNiN M euo u aWM zMri M SU MUl ex
AlM MSq EPL W|
aWM x mmi 108836 zMri q x (L O Lq x xoki
98214 zMri xWi) 108567 zMri M (L O Lq x
xoki 98012 zMri xWi) xqkl Mr ar | xsfL
aL zMri q x AkM zMri mNs uw M soi
zMri W |
Governance Policy of the Bank extends to its
subsidiaries also.
The Bank has put in place a Group Risk Management
(GRM) Policy with the permission of the Board of the
Bank. The GRM Policy of the Bank covers Subsidiaries/
Joint Ventures and the Regional Rural Banks sponsored
by the Bank.
Scrutiny of staff accounts at random is undertaken
at the time of RBIA (Risk Based Internal Audit) of
the branches. The transactions above `50000 in
staff accounts are monitored in Ofine Transaction
Monitoring system.
The Bank has a system of conducting regular
inspection (RBIA) including Information System Audit
at the branches/ Units/ Ofces at specied periodical
intervals. The Concurrent Audit of identied branches
/ ofces is conducted on monthly basis.
2. How many stakeholder complaints have been received
1649 in the past nancial year and what percentage
was satisfactorily resolved by the management? If so,
provide details thereof, in about 50 words or so.
Shareholders Complaints: The Bank received
representations/ grievances from Shareholders during
2014-15 and all the grievances have been resolved
satisfactorily.
Majority of the representations is on account of
non-receipt of Dividend Warrants. This is due to
non-updation of the addresses by the concerned
shareholders. While resolving the grievances, the
Bank has been taking steps to update their addresses,
bank details, ECS Mandate (by providing the necessary
forms) so as to avoid recurrence of such instances.
108836 (including 98214 complaints related to ATMs)
complaints were received from customers of which
108567 (including 98012 complaints related to ATMs)
were resolved. The resolved complaints are more
owing to previous years few pending complaints.
Customer Complaints: During 2014-15, the Bank
received 108836 complaints and 99% of the complaints
were satisfactorily redressed. The Bank is taking several
measures to improve customer service by bringing
in diversied products/services, updated technology,
staff training and responding to customers queries
and redressal of customer complaints.
84
 x
xi 2 : MUoU Lx EimS u xuL Emsok MUL e
xUi W ij Aml eul
eul c q xjUi olL UZ |
1. Aml 3 EimS r xuA M xc S elM QeCl q
xqeM r mruUh ciA, eZq AU/r AuxU M
zqs Mr ar W|
i. ur xquzl Aprl: up aqh rMsm, ex
zZL Zs MU oMa xuA M mWc oR l, MUoU
xspMi M qkrq x erS iM Tsu, xS Zi
Zsl, Mxx u exx M U Gh Emsok MUl, xq
oq Emsok MUl, AkU M meMUh, Mxl Yso M
xjml, ur xUi oRl M sL aqh uMx uWl
ili MUl AU aqh eli M sL Gh mUqz Sl|
ii. aqh uMx - oM l up q MrUi 64
xu-UeaU mzh xxjl M mrei/xW-mrei/
xWri mSl M W e aqh ruM q Eqi uMx ij
ElW xu-UeaU rMsm MUl M sL mixWi MUi
W| Cl xxjl l Ao iM 5.97 sZ oUeaU ruM M
mzh Sr W elM uruxr mmi SU 73% W|
iii. WUi oMa: oM l up mruUh AlMs Mr ML W ex
xoLx, COUlO oMa, OsoMa, qoCs oMa, LOLq,
aqh eli M sL xU Fe r or-qOM LOLq AU
MN AiUM MrMsm| CxM Asu oM l S xjl
mU LOLq, lMS / cM xuMi, mxoM mOa MrxM,
COUlO oMa, BlsCl OQa AU OsoMa ex E
iMlM oMa xukA M xj D-sEe xjmi ML W ij
uw M SUl Lx W AU D-sEe M xjml MUl M rel
W| AiUM m x, oM l qlu xxkl mokl u Mimr Alr
mzxlM M sL D-aulx Mrlui M W|
xU Fe, orax ij mul c mUrelA M url M
U oM WUi Fe M mxWl S UW W |
2. Lx xp EimS M sL mr xxkl (Fe, es, M
qs, AS) M xok q lql xci MU (uMsmM):
i. mNs uw x sMU AoiM qsr Zs M SUl xxa/
EimSl/uiUh M xqr AD Mq?
sa lW
Principle 2: Businesses should provide goods and
services that are safe and contribute to sustainability
throughout their life cycle
1. List up to 3 of your products or services whose design
has incorporated social or environmental concerns,
risks and/or opportunities.
i. Financial Inclusion Campaign - covering varied rural
activities, such as, increasing access to banking services
through opening branches, increasing coverage under
Business Facilitators, mobilizing no-frill accounts,
providing credit under KCCs and GCCs, credit linking
SHGs, providing micro-insurance, Aadhar enrollment,
forming farmers clubs, deploying Gramin Vikas Vahini
for enhancing nancial literacy and credit counseling
among rural folks.
ii. Rural Development - The Bank has sponsored/
co-sponsored/ supported 64 self employment
training institutes in varied elds which promote
entrepreneurship development among rural youth
and encourage them to take up self-employment
activities. These Institutes have trained more than 5.97
lakh unemployed youth so far, with a settlement rate
of 73%.
iii. Green Banking - The Bank has introduced several
environment friendly measures, viz., core banking
solution, internet banking, telebanking, mobile
banking, ATMs, solar powered biometric ATMs for the
use of rural folk and certain back ofce operations.
Further, the Bank has set up E-lounges with hi-tech
banking facilities like ATM, cash/ cheque acceptor,
passbook printing kiosk, internet banking, online
trading and telebanking at two places and more such
e-lounges are planned during the year. Internally,
the Bank has implemented e-governance for its
human resources management and certain other
administrative areas.
Bank is encouraging green energy by nancing solar,
biogas and wind mill projects.
2. For each such product, provide the following details
in respect of resource use (energy, water, raw material
etc.) per unit of product(optional):
i. Reduction during sourcing/production/distribution
achieved since the previous year throughout the value
chain?
Not Applicable
85
ii. mNs uw x AoiM Emp U mra ( Fe, ml) q
AD Mq?
es zkl xr M xjml ij WUi q xkU Wi
oaul M sL Amz ml M Emra |
3. Yr Mml q xjr xxa (mUuWl xWi) M sL MD
mi W ? rS W, i luzi M Mil mizi xjr m
x xx Mr ar W? 50 zoS q iixok uuUh S|
xxa M sL oM q lkUi li W exM AlxU
AmiMiA M Fe EimSl, mSwh q uiuUh M
AlMs maM qlM M mU MUl cWL |
4. Yr Mml l xjlr u NO EimSM xWi Axmx M
q MrUi xqSr x qs u xuL ZUSl M MSq EPL W?
rS W i xjlr u NO uiA M qi u rari oRl
M sL Yr MSq EPL aL W?
xjlr ij NO uiA M kUi ij qi M xkUl
M sL, oM ElM U olL aL EimS M mSzl xW o
M sL lrqi m x MlU oeU M Arel MUi
W | oM lqqU xj, LM qoCs o ul csi W, e xU
Fe r MxOq osO W exq xur xWri xqW ij
qWs Eqr U lqi EimS M mSzl xW o Wi
W | Sl xuL oM U lzsM Sr ei W | oM M Ms
Aaq x sb u qkrq Eq M Wxx 30% W |
5. Yr EimS u Amz M mlch Wi Mml M mx MD
i W? rS W i Eim
EimS ij Amz M mlch M mizi
Yr W ? (5% x Mq, 5-10%, 10% x AkM, Asa -
Asa oiL) | 50 zoS q iixok uuUh S|
sa lW
xi 3 : MUoU xp MqcUr M psD M oR u S
1. Mmr MqcUr M Ms xZr oiL|
MqcUr M Ms xZr 53984 W|
2. Mmr AxjD/xuS/AMxqM AkU mU sL aL MqcUr
M Ms xZr Cai MU|
ii. Reduction during usage by consumers (energy, water)
has been achieved since the previous year?
Setting up of water purication plants and using the
waste water for gardening for improving the green
cover.
3. Does the Company have procedures in place for
sustainable sourcing (including transportation)? If
yes, what percentage of your inputs was sourced
sustainably? Also, provide details thereof, in about 50
words or so.
For sourcing, Bank has a set policy as per which
the suppliers should meet the standards of energy
generation, pollution free climate friendly technologies.
4. Has the Company taken any steps to procure goods
and services from local & small producers, including
communities surrounding their place of work? If yes,
what steps have been taken to improve their capacity
and capability of local and small vendors?
To improve the capacity and capability of local and
small vendors, Bank is regularly organizing Canara
Bazaars for display cum sale of products made by
them. Bank is running Nammura Santhe - - A mobile
sales van which is solar powered custom made for
display cum sale of the products made by Self Help
Groups, women entrepreneurs. Both the services are
offered free of cost by the Bank. Out of total advances
of Bank, Small & Medium Enterprises constitute 30%.
5. Does the Company have a mechanism to recycle
products and waste? If yes, what is the percentage of
recycling of products and waste (separately as <5%,
5-10%, >10%). Also, provide details thereof, in about
50 words or so.
Not Applicable
Principle 3: Businesses should promote the wellbeing of all
employees
1. Please indicate the total number of employees.
Total number of employees is 53984
2. Please indicate the total number of employees hired
on temporary/contractual/casual basis.
86
 AxjD/xuS/AMxqM AkU mU sL aL MqcUr M Total number of employees hired on temporary/
Ms xZr zlr W | contractual/casual basis is NIL
3. Mmr xjr qWs MqcUr M xZr Cai MU| 3. Please indicate the number of permanent women
employees.
xjr qWs MqcUr M xZr 15303 W| The number of permanent women employees is 15303
4. Mmr xjr uMsa MqcUr M xZr Cai MU| 4. Please indicate the number of permanent employees
with disabilities.
xjr uMsa MqcUr M Ms xZr 1129 W|
The number of permanent employees with disabilities
5. Yr AmM rW MqcU xaPl W e M mokl U qlri is 1129
mmi W ? 5. Do you have an employee association that is recognized
by management.
W 2 xaPl W | 1) AkMU MqcU, 2) MqaU MqcU
Yes. 2 Associations. 1. Ofcer Employees 2. Workmen
6. AmM Mil mmizi lrqi MqcU Cx qlrimmi MqcU Employees.
6. What percentage of your permanent employees is
xaPl M xSxr W?
members of this recognized employee association?
AkMU xb 85.16% Ofcers Association 85.16%
MqcU rlrl 76.11% Workmen Union 76.11%

7. Mmr mNs ur uw q ij ur uw M xqmi mU os 7. Please indicate the Number of complaints relating to

child labour, forced labour, involuntary labour, sexual
q, oaU, AxucNM q, rl EimQ l x xoki soi harassment in the last nancial year and pending, as
zMri M xZr Cai MU | on the end of the nancial year.
S. Category No. of No. of
. h ur uw M ur uw M No. complaints complaints
SUl SrU xqmi mU soi led during pending as on
x.
zMri M zMri M the nancial end of nancial
xZr xZr year year
1 Child labour/
1 os q, oaU, forced labour/ NIL NIL
zlr zlr involuntary
AxucNM q labour
2 Sexual
2 rl EimQl zlr zlr harassment NIL NIL

3 3 Discriminatory
pSpumh UeaU zlr zlr employment NIL NIL

8. mNs uw M SUl lqlMi MqcUr q x Mil mizi 8. What percentage of your under mentioned employees
M xU u Mzs Erl mzh Sr ar? were given safety & skill up-gradation training in the
last year?
xjr MqcU 122% Permanent Employees 122%
lrqi qWs MqcU 142% Permanent Women 142%
Employees
AMxqM / Axjr / xuS
zlr Casual/Temporary/ NIL
MqcU
Contractual Employees
uMsa MqcU 82%
Employees with Disabilities 82%
xi 4: MUoU xp WikUM M Wi M xqql MU Principle 4: Businesses should respect the interests of, and
ij ElM mi xuSlzs W, uzwm x uci, MqeU AU be responsive towards all stakeholders, especially those
Emi M mi| who are disadvantaged, vulnerable and marginalized

87
1. Yr Mml l Aml AiUM AU oWU WikUM M mici
Mr W? W / lW
W, oM M zrUkUM q xUMU, luzM, MqcU ij oM
M aWM zqs W|
2. Yr Mml l E q x, MqeU, uci u Emi WikUM
M mWcl M W?
W.
3. Yr Mml uci, MqeU u Emi zrUkUM x eQ l M
sL MD uzw mWs M W? rS W i 50 zoS q iixok
uuUh S|
MqcU: oM ei, lxs AU kq M AkU mU MD pSpu
AU muaW M ol xp MqcUr M xj xqlWU M
li Amli W| oM xUMU M Sz lSz M AlxU
Alxci ei / Alxci elei ua x xoki MqcUr
M sL MN uzw sp/xukK/ xWri mSl MUi W|
CxM Asu, uMsa MqcUr M Alr MqcUr M
xqisr mUqM/uil Sr ei W| oM, MmUO xqeM
EUSriu M iWi EQl mUrel M Aiai eqq u MzqU
M oUeaU xliM M mzi u pi MU UW W|
aWM : xqe M Emi ua M eUi M mU MUl M
sL, oM l, Alr relA M xj, MlU lr Sz rel
M Aiai xS oci Zi rel, xq oq AU xq mzl
rel, zWU aUo M sL xq u zZL, Mxl M
sL Mxl QO, xqlr QO MQ, xur xWri xqW
M Gh, qlUa qeSU AU xqeM xU mzl M pail
M sL CsYOlM sp AiUh, orqOM LOLq, upSM
ore SU rel M iWi Gh, qWs Eqr AU. xq Lu
sb Eq M xWri M sL Gh relL z M W|
xi 5 : MUoU qlukMU M xqql u mixWl MU|
1. Yr qlukMU mU Mml M li Mus Mml mU W sa
Wi W r xqW / xr Eq / AmiMi / PMSU / aU
xUMU xaPl / Alr mU p sa W?
oM pUi M xukl q lWi qlukMU M uwruxi x
mUci W ij xb M xuii AU xqWM xSoe MUl
M AkMU M xqql MUi W|
qlu xxkl x xoki lir Mus oM M mUcsl mU
W sa W| CxM Asu, oM M qlu xxkl lir xp
MqcUr M xqli AU Eci uruWU mSl MUi W ij
Uri, kq, sa, Eq, uMsai, MqcUr M xqeM
AU AjM xji r Mll U lw Mx Alr AkU mU
MD pSpu lW Mr ei W|
rl EimQ l M UMjq
oM Mrxjs mU rl EimQ l M lwk MUi W| xu zi q,
rl EimQl M UMl M sL uzw mukl W| uzZ u Alr
olq Uexjl xUMU u Alr M qqs q Eiq lrrsr M
LiWxM Txs U eU SzlSz M AlxU rl EimQl
M li sa M ar W| li M AlxU, qW mokM UM M
qWs MrmsM M Akri q LM zMri xqi M aPl
Mr ar W exq AkMz xSxr qWsL W W AU LM
xSxr aU xUMU xaPl x W| xqi M UmO M AkU mU
W oM MUuD MUi W| oM xqr xqr mU xu zi, lrq,
1. Has the company mapped its internal and external
stakeholders? Yes/No
Yes. The stake holders of the Bank include Government,
Investors, Employees and the Customers of the Bank.
2. Out of the above, has the company identied the
disadvantaged, vulnerable & marginalized stakeholders
Yes.
3. Are there any special initiatives taken by the company
to engage with the disadvantaged, vulnerable and
marginalized stakeholders. If so, provide details thereof,
in about 50 words or so.
Employees: The Bank practices the policy of equal
treatment of all employees without any discrimination
and bias on the basis of caste, creed and religion.
The Bank extends certain special benets/ facilities/
assistance to employees belonging to SC/ST category as
per Government guidelines. Further, the wages/salaries,
promotions and other benets extended to employees
with disabilities are at par with other employees. The
Bank, as part of Corporate Social Responsibility, is training
and recruiting unemployed graduates from the State of
Jammu and Kashmir under the project Udaan
Customers: In order to cater to the needs of marginalized
segments of the society, the Bank has introduced, among
others, No-frill Savings Accounts Scheme, Micro Insurance
and Micro Pension under Canara Nayee Disha Scheme,
micro-nance branches for urban poor, kisan credit cards
for farmers, general credit cards, loans to self help groups,
electronic benet transfer for payment of MGNREGA
Wages and social security pension, biometric ATMs, loans
under Differential Interest Rate Scheme, loans to women
entrepreneurs and support to micro & small enterprises.
Principle 5: Businesses should respect and promote human
rights
1. Does the policy of the company on human rights cover
only the company or extend to the Group/Joint Ventures/
Suppliers/Contractors/NGOs/Others?
The Bank is aware of the human rights content of
the Constitution of India and respects the freedom of
associations and the right to collective bargaining.
The HR related policies cover the operations of the Bank only.
Further, the HR policies of the Bank are well laid out with equal
and fair treatment of all the employees and no discrimination
is made based on nationality, religion, gender, age, disabilities,
social and economic status of the employees or any other
basis prohibited by the law.
Prevention of Sexual Harassment
The Bank prohibits sexual harassment at work places. In the Service
Conditions, there are clauses exclusively for prevention of sexual
harassment at work places. The policy on sexual harassment has
been implemented in terms of guidelines issued by Supreme Court
of India in its landmark judgment in Visakha & Ors. Vs. State of
Rajasthan & Ors. As per the policy, a Complaints Committee has
been constituted headed by a lady Executive of the rank of General
Manager with majority of lady members and an outside member
from a reputed NGO. The action is taken based on the reports
88
qWs MqcUr M sp, qWs MqcUr M AkMU ij rl of the Committee. The Bank issues Circulars from time to time
EimQl M UMjq M mpu oll M sL mUm eU MUi W|
MqcU zMri luUh li
oM l xu zi x xoki uxiuM urai zMri M SU
MUl M Ezr AU ExM iuUi xqkl M sL MqcU zMri
luUh li olD W| Cx li M iWi lkUi xqr M piU
zMri M luUh MU UW W| Acs xiUr luUh xqi M
lhr M ZsT Ams M p mukl W |
xcl M AkMU Aklrq
xcl M AkMU Aklrq, 2005, M mUpw M AlxU MlU
oM LM sM mkMUh W, CxsL uW eli M xcl mSl
MUl M Sriu M Akl W|
up Mr M sL PMSU M xu sl:
oM Aml mUxU q xus lqh / ui / UZ-UZu Mr
M sL PMSU M xu si xqr q Mll uzwiU mU lrliq While engaging the services of Contractors for the civil construction/
qeSU M pail ij Alr xoki qlukMU M msl MUi
W|
2. mNs uiir uw q Mil WikUM M zMri AD AU
Mil mizi zMri M lmOl mokl M U xiwelM 2. How many stakeholder complaints have been received in
m x Mr ar?
uw M SUl MD zMri mmi lW WD W |
xi 6: MUoU mruUh M xqql, xU AU Ex mlxjmi
MUl M mrx MU|
1. Yr xi 6 x xoki Mml M li Mus Mml iM
xqi W r xqW / xrYi Eq / AmiMi / PMSU /
aU-xUMU xxjl / Alr mU p sa W?
li Mus oM iM W xqi W|
2. Yr Mml M mx uM mruUh M q ex mruUh q
oSsu, asos uqa AS M sL MD rel/mWs W ?
W /lW , rS W i, Mmr uome M WCmUsM S|
W
Gh eZq mokl li M xSp q, oM Lx lr DMCr
M xjml M sL Gh mSl lW MUi elM U Ael
ucNSl mSj ex MsUnsU Mol - 11 (xLTx-11),
x.LT.x.-12 AU x.LT.x. 11 AU x.LT.x. 12 M
qh, x.LT.x. - 113, Mol OOYsUCQ, qjCs
YsUTq, Tq EimSl, UTeUOU AU LrUMQzlU, LUxs
EimS, xTD M EimS q mr xsuO, Aalzql q mr
Wsl - 1211, 1301, 2402, AS M mra Mr ei W|
oM U El NO / qfs xiU M CMCr M uiir
xWri lW S ei W e x.LT.x. M mra MU LUxs
CMD M EimSl q sa WL W|
OYxM mSj M Eixel MUl us EimSl DMCr M
Gh mxiu M qsrMl MUi xqr oM Lx mSwi mSj
M uiuUh q NQl x mu mxxMi MUl M sL es
zkl CMD M xjml M sL Suo Qsi W ij xli
Mr ei W M EkUM MlS / Uer mSwh lrh oQ
x Alm mqh m mmi Mr W|
3. Yr Mml xpui mruUhr eZq M mWcl AU
AMsl MUi W? W/lW
W
reinforcing service conditions, rules, benets to women employees,
right of women employees, prevention of sexual harassment.
Employees Grievances Redressal Policy
The Bank has framed Employees Grievance (s) Redressal Policy
with a view to lend to the genuine individual grievances relating
to service condition of the employees and for speedy resolution of
the same. The complaints under this policy are redressed within
the stipulated time. There is also an appeal provision against the
decision of the Circle Level Redressal Committee.
Right to Information Act
Canara Bank is a Public Authority, as per denition of Public
Authority in the Right to Information Act, 2005, and thus, is under
obligation to provide the information to members of public.
Engaging Contractors for various works
electrical/maintenance works at its premises, the Bank follows the
labor laws especially payment of minimum wages and other related
human rights.
the past nancial year and what percent was satisfactorily
resolved by the management?
No complaints have been received during the year.
Principle 6: Business should respect, protect, and make efforts to
restore the environment
1. Does the policy related to Principle 6 cover only the company or
extends to the Group/Joint Ventures/Suppliers/Contractors/
NGOs/others.
The Policy covers only the Bank.
2. Does the company have strategies/ initiatives to address
global environmental issues such as climate change, global
warming, etc? Y/N. If yes, please give hyperlink for webpage
etc.
Yes.
In terms of Credit Risk Management Policy, the Bank is not
extending nance for setting up of new units consuming/
producing Ozone Depleting Substances (ODS) such as
Chlorouoro carbon 11 (CFC 11), CFC 12, Mixtures
of CFC 11 and CFC 12, CFC 113 Carbon Tetrachloride,
Methyl Chloroform, Halons 1211, 1301, 2402 used in Foam
products, Refrigerators & Air conditioners, Aerosol products,
Solvents in cleaning applications, Fire extinguishers.
No nancial assistance is extended by Bank to small/ medium
scale units engaged in the manufacture of the Aerosol Units
using CFC.
While appraising the credit proposal, of manufacturing units,
emitting toxic pollutants, the Bank insists upon installation
of water treatment projects for processing of such pollutants
before release into the environment and ensures that the
borrower client also obtains NOC from Central/State Pollution
Control Board.
3. Does the company identify and assess potential environmental
risks? Y/N
Yes.
89
4. Yr Mml M mx xucN uMx i x xoki MD mUrel
W? rS Lx W i 50 zoS q iixok uuUh S| AU , rS
W i Yr MD mruUh Almsl UmO SrU M ar W?
W
oM U up WUi oMa mWs M aD W exq MU
oMa xqkl, COUlO oMa, OsoMa, qoCs oMa,
LOLq, aqh eli M Emra M sL xU Fe xcsi
orqOM LOLq, zZA q D- sEe AU Aml xOT
ij mzxlM M sL D aulx AU Mae UWi oMa
M oRu Sl zqs W|
5. Yr Mml l xucN maM, Fe Si, Ar Fe AS
mU MD Alr mWs z M W? W / lW, rS W i uome
M WCmUsM S|
oM l xucN maM ij Fe Si M MD mWs z
M W | oM mruUh M AlMs Lx WUi mUrelA M
Eci mjqMi u qWiu Si W e Mol Mq MUi W ex
mul c / xU Fe mUrelL | oM M WUi u xucN
iMlM mUrelA M Akql Gh Sl M relL W |
CxM Asu, oM E Fe Si xli MUl M sL
xLTLs (MqmYO nsUxO sCOa) Aml xp mUxU q
sal M sL AaxU W| oM p E Fe Si xli
MUl M Sz.q UOQ Fe Mzs EmMUh M Emra MUl
M li M AlxUh MU UW W Aji LrU MQzlU|
oM xucN maM Amli WL elUOU M Emra q
xmxo lrq (MSr mSwh lrh oQ) M msl MUi
W| oM Aml up xjl mU xU Fe xcsi rmLx
sal AU Ar Fe M Emra M p Amll M mr
q W|
6. Yr Mml U Eim Eixel/ Amz xci ur uw M
sL xmxo / Lxmxo U lkUi xq M piU W?
oM ur xuL Emsok MUi W | Ai: rW sa lW W|
7. ur uw M xqmi iM xmxo / Lxmxo x mmi
Mll lOx/ MUh oiA lOx M xZr e M soi
W? ( rl xi M xiU iM lW lmOr ar W)
zlr
xi 7: MUoU, eo Aqeli AU ulrqM lir M
mpui MUi W i Lx eqqSUmuM Mr eL|
1. Yr AmM Mml Mx urmU AU coU r xb M xSxr
W? rS W i El oQ xxjA M lq oiL elM xj
AmM MUoU Wi W?
W |
M) pUir oM xb ( ADoL)
Z) pUir oMa u u xxjl (ADADoLT)
a) oMa MqM crl xxjl (ADomLx)
b) Ur oM mokl xxjl (LlADoLq)
Q.) pUir Ur pail laq(LlmxAD)
c) pUir xqzkl laq(xxAD)
N) pUir luz oMU xb, qoD
4. Does the company have any project related to Clean
Development Mechanism? If so, provide details thereof, in
about 50 words or so. Also, if Yes, whether any environmental
compliance report is led?
Yes.
Various green banking initiatives undertaken by the Bank
include core banking solution, internet banking, telebanking,
mobile banking, ATMs, solar powered biometric ATMs for the
use of rural folk, E-lounges in branches and e-governance
for its staff and administrative areas to promote paperless
banking.
5. Has the company undertaken any other initiatives on clean
technology, energy efciency, renewable energy, etc. Y/N. If
yes, please give hyperlink for web page etc.
Bank has undertaken a no. of initiatives to promote clean
technology and energy efciency. Bank gives due weightage
and preference to environment friendly green projects which
earn the carbon credits, such as, Wind Mills/Solar Power
projects. Bank has schemes of extending preferential credits
to the Green and clean technology projects.
Further, the Bank is changing over to CFLs (Compact Flourescent
Lightings) in all its premises ensuring higher energy efciency.
The Bank is also following a policy of using Rated Energy Efcient
Appliances, viz., Air Conditioners towards ensuring higher
energy efciency.
The Bank is complying with the CPCB rules (Central Pollution
Control Board) in usage of generators adopting clean
technology. The Bank is also in the process of deploying solar
powered UPS for its various locations and adopting renewable
energy usage.
6. Are the Emissions/Waste generated by the company within
the permissible limits given by CPCB/SPCB for the nancial
year being reported?
The Bank is engaged in providing nancial services and hence
not applicable.
7. Number of show cause/ legal notices received from CPCB/
SPCB which are pending (i.e. not resolved to satisfaction) as
on end of Financial Year.
Nil
Principle 7: Businesses, when engaged in inuencing public and
regulatory policy, should do so in a responsible manner
1. Is your company a member of any trade and chamber or
association? If Yes, Name only those major ones that your
business deals with:
Yes.
a) Indian Banks Association (IBA)
b) Indian Institute of Banking and Finance (IIBF)
c) Institute of Banking Personnel Selection (IBPS)
d) National Institute of Bank Management (NIBM)
e) National Payments Corporation of India (NPCI)
f) The Clearing Corporation of India (CCI)
g) Association of Investment Bankers of India, Mumbai
90
2. Yr Aml elWi M Ei r xkU M sL Emr xb
M qkrq x uMsi / mUu M W? W/lW, rS W i qO
iU mU El M oU q oiL (aulx AU mzxl, AjM
xkU, xquz uMx lir lir, Fe, xU, es, Z
xU, xjD MUoU xi, Alr)
pUi M xuelM M oM Wl M MUh oM mU Sz
M xp u xp ua M oMa xuL mSl MUl M
xqeM EUSriu W| CxM Asu, oM qO iU mU Sz
M xjr uMx q raSl M sL AjM AU ur
q xkU, xquz uMx AU xql uMx, Ur
mjqMiA AU Z xU M M zqs MUi WL
xqr - xqr mU pUi xUMU AU pUir Ueu oM U
eU ML aL xp liai lSz / lrqM Sz lSz M
msl MU UW W|
xi 8: MUoU, xquz u AU xql uMx M xos S|
1. Yr Mml q xi 8 x xoki li M AlxUh M
sL uz Mrq / mWs / mUrelL W? rS W i
iixok orU |
oM l xquz u u xql uMx M sL AlM Mrq/
mWs/mUrelA M csr W|
uuUh lqlui W:
oM l AuOi xp 10049 au q 806 mUmUM zZA
M ZsMU ij 2459 MUoU milkr M xu sMU
oMa xu Emsok MUD W| eul xiU M Ei MUl M sL
uWlr Zc mU oMa xu Emsok MUl W CxM Ezr
W | CxM Mrurl S qQs M iWi Mr ar rl
mUmUM zZL AU MUoU xmM qQs |
536 au M oM AU qOU qQs AU oc WL 4992 au
M MUoU xmM M qSS x oMa xu Emsok MUr
ar | Cl 4992 au q x, 516 au q MUoU xmM Ai
sb zZA U LM li xjl mU oMa xu Emsok
MULa |
2015-16 M sL rel: oM U uw 2015-16 M SUl
mUmUM zZL ZsMU 76 au M muUi M rel W|
es/osM xiU mU 65 ur xUi MlS (LTLsx) Zs
aL | Cx uw M qc 2015 iM 1008234 urr M zi
Mr ar W Lu 79879 urr M mUqz xuL Emsok
MUr ar W |
2. Yr Mrq / mUrel AiUM Oq / xu xxjl / o
/ aU xUMU xxj / xUMU xxj / r MD Alr xxj
M qkrq x ML ei W?
ur xquzl mUrel AiUM Oq M xWri x sa
M ar | oM q mjqMi xZ AU ur xquzl upa
M Aiai LM Asa ur xquzl mpa W exM mqZ
LM qWmokM W | oM ur xUi lrx M qkrq x
ur xUi M mcU MU UW W |
Alr lrx / xxCOr M lq lqlui W eW oM
mUrelL sa MUl M sL xqqsi W, exl eli ij
xqe M xu q mpu Eim Mr W :-
1. MlU zioS aqh uMx lrx
2. MlU ur xsWMU lrx
3. MlU xuh eri z lk
4. MlU UWi u Msrh xxCO
2. Have you advocated/lobbied through above associations
for the advancement or improvement of public good? Yes/
No; if yes specify the broad areas (drop box: Governance and
Administration, Economic Reforms, Inclusive Development
Policies, Energy, security, Water, Food Security, Sustainable
Business Principles, Others)
The Bank, being one of the public sector banks of India, is
driven by the social objective of extending the benets of
the banking services to all regions of the country and to all
classes of people. Further, the Bank is adhering to all the policy
directions/ regulatory guidelines issued by Government of
India and the Reserve Bank of India from time to time broadly
covering the areas of economic and nancial sector reforms,
inclusive growth and equitable development, national
priorities and food security contributing to sustainable
development of the country.
Principle 8: Businesses should support inclusive growth and
equitable development
1. Does the company have specied programmes/initiatives/
projects in pursuit of the policy related to Principle 8? If yes
details thereof.
The Bank has undertaken various initiatives/ programmes/
projects in pursuit of inclusive growth and equitable
development of the society.
The details are as under:
Bank has provided Banking facilities in all the allotted
10049 villages by opening 806 brick & mortor branches and
engaging 2459 BC agents. The objectives are to provide them
the banking services at affordable cost in order to improve
their standard of living. The implementation was done
under two models, viz., Brick and Mortar model and Business
Correspondent model.
Plan for 2015-16: The Bank has plans to cover 76villages
during 2015-16 by opening 76 brick and mortar branches.
65 Financial literacy centres (FLCs) opened at District/Block
levels. 1008234 persons have been educated and 79879
persons have been counseled upto March 2015 this year.
2. Are the programmes/projects undertaken through in-house
team/own foundation/external NGO/government structures/
any other organization?
The nancial inclusion projects have been undertaken with the
help of an in-house team. The Bank has a separate Financial
Inclusion Division under Priority Credit and Financial Inclusion
Wing, headed by a General Manager. Bank is propagating
nancial literacy through Financial Literacy Trust.
Following are the other Trusts/Societies wherein
Bank is involved for taking up of the projects which
have created an impact in serving the people and
the society.
1. Canara Centenary Rural Development Trust
2. Canara Financial Advisory Trust
3. Canara Golden Jubilee Education Fund
4. Canara Relief & Welfare Society
91
 oM Aml MmUO xqeM EUSriu M iWi ClW lrx
M rMsm q xr m x pa si W ij lkrl p
MUi W |
3. Yr Am
Aml
l Aml mrx M mpu qsrMl Mr W ?
W | oM mWs M qZr mpu Aml aWM M EimS M
uiUh q W | qZr mSr W :-
oM l uw 2014-15 M SUl 54.55 sZ oMa xuUWi
sa ij rel M zAi x sMU AoiM 142.89 sZ
oMa xuUWi sa M qspi oci eq Zi Emsok
MUr W|
uw 2014-15 M SUl WqU 270 ur xquzl zZL
Zs W AU 4.98 sZ Zi x `568 MUQ M MUoU
Mr ij `273 MUQ M Gh Emsok MUr exx 0.43
sZ WikMU splui WL |
oMa xu UWi aqh M qspi oci eq Zi,
AilWi AuUQTO xukL, Gh xukL ex xqlr
QO MQ rel, upkM ore SU rel, Mxl QO
MQ rel, Gh ASs-oSs (xuma) rel AU MD
xZ EimS Emsok MUL aL |
oM l WqU q. MlU LcLxox Aox CzrUx Mml M
xqW oq rel M iWi Gh mSi xur xWri xqW M
xSxr M eul M MuU Mr ar W exq mirM xSxr
M eul M `36,000 iM `100 M qqs mqrq M xj
MuU Mr ar W | sapa 70320 ur Cx rel M iWi
splui WL W|
oM l MlOM M cU es AU iqslQ M xp es
q "LM es MD oM qQs" M iWi xUMU sp ex
xqeM xU mzl M CsYOlM sp WxiliUh M
Mrlurl q pa sr W| MlOM M cU es q qlUa
M iWi qeSU M pail M sL Zi M Zsl M Mr
mai mU W| Cx rel x spjr M ElM SUue / au
q xqr mU pail mmi MUl q qSS qs W|
oM l mWs cUh q 48 crli es q AU ir cUh q
78 crli es q xUMU sp M xk xjliUi MUl
q pa sr W| uw 2014-15 M SUl Cx rel M iWi
WxiiUi sp `474 MUQ mWc ar W|
oM l "MlU aqh uMx uWl uWl" lqM xquz
uMx uWl Lu 49 uWl mU Sz q ili ML W| Cl uWl
q Mw uxiUh AkMU r xqlr AkMU xj ei
W elW WqU up aqh uMx relA M AcN
elMU Wi W AU r lrqi iU mU aqh q oMa M
oU q eaMi mS MUl ei W| Cl uWl q Zi Zsl
M Tq ij Alr relA M mqmsOx Wi W|
4. xqSrM uMx mUrelA M sL AmM Mml M
mir raSl Yr W ? Uz pUir mr q ij z ML
aL mUrelA M uuUh |
oM l up xqSrM uMx AU xqeM - AjM
Msrh aiukr q sa xaPl M `67.05 MUQ M Uz
qeU M W| (Mmr oS 5 M pa 2 M xSp s)
5. Yr Cx xqSrM uMx M mWs M xqSr U
xTsimuM AmlL el M xli MUl M sL Aml
MSq EPL W? Mmr 50 zoS q oiL|
Bank continues to actively fund and also involve in the
activities of these Trusts under its CSR.
3. Have you done any impact assessment of your initiative?
Yes. Major impact of the Bank initiatives is the delivery of the
products to its customers. The major deliverables are:
The Bank has provided Basic Savings Deposit accounts
to 54.55 lakh unbanked people during the year
2014-15 and 142.89 lakh unbanked persons since inception
of the Scheme.
During 2014-15, 270 FI Branches have been opened garnering
a business of `568 crores in 4.98 lakh accounts and provided a
credit of `273crores benetting 0.43 lakh beneciaries.
The unbanked rural people are provided with Basic Savings
Deposit Accounts, Inbuilt Overdraft Facilities, credit facilities
under products like General Credit Card Schemes, Differential
Rate of Interest Scheme, Kisan Credit Card Scheme, Debt
Swapping Scheme and various other credit products.
The Bank has also covered the lives of the members of credit
linked SHGs under Group Insurance Scheme by M/s Canara
HSBC OBC Insurance Company, covering the lives of the
individual members to the extent of `36000 for a nominal
premium of ` 100. About 70320 persons have been
benetted out of the Scheme.
The Bank has participated in implementation of Electronic
Benet Transfer of Govt. benets like Social Security Pension
in four districts of Karnataka and all districts of Tamil Nadu
under One District Many Bank Model. The enrollment is in
progress for opening of accounts for disbursement of wages
under MGNREGA in four districts of Karnataka. This has
helped the beneciaries under the Scheme in getting the
timely payment at their doorsteps/ villages.
The Bank has also participated in implementation of Direct
Benet Transfer of Govt. Benets in 48 identied districts in
Phase I and 78 identied districts in Phase II. During the year
2014-15, benets transferred under the scheme to the tune of
` 474 Crores.
The Bank has provided inclusive growth vehicles called
Canara Gramin Vikas Vahini Vehicles & 49 vehicles are
deployed across the country. These vehicles accompanied
by an Agriculture Extension Ofcer or general ofcer who
are well aware of the Banks various rural development
schemes visit the villages regularly for creating awareness
among the rural mass about banking. The vehicles are also
provided with the account opening forms and pamphlets of
various schemes.
4. What is your companys direct contribution to community
development projects - Amount in INR and the details of the
projects undertaken. The Bank has sanctioned a sum of
`67.05 Crores (sponsorships) engaged in various community
development and socio-economic welfare activities (Pl. refer
to Section B Point No.5).
5. Have you taken steps to ensure that this community
development initiative is successfully adopted by the
community? Please explain in 50 words, or so.
The Bank is obtaining a Certicate issued by a Chartered
Accountant of the donee organization/ Institute conrming
the end use of the donation for the purpose for which the
donation was sanctioned by the Bank.
92
 oM SlaW xaPl / xxjl x xlS sZMU U eU
mqh m mmi MUi W e m MUi W M ex Ezr M
sL oM U Sl qeU Mr ar j ExM Aiq Emra
Mr ar W|
mUrelA M sL EmSl up cUh mU uMx Mr
M mai M AkU mU ij xCO mU mu-uMxiqM u
uMxmUi SU M mi xuiUi Mr ei W | xqSr
M sa M zqs MU xuelM Mrq Arei MUM
mUrelA q ElM xWpai xli MUi WL xWri
xm Sr ei W |
xqSrM uMx M mr M Amll xli MUl M
sL oM M mx i W
xi 9: MUoU eqqSU x Aml aWM AU EmpA x
eQ AU ElW xqql mSl MU|
1. ur uw M xqmi mU Mil mizi aWM zMri/
Emp qqs soi W?
ur uw M xqmi mU 108836 aWM zMri M 1.41%
(1534) soi j |
2. Yr Mml, xjlr lrq M Aluri M Asu, EimS
sos mU EimS M xcl mSzi MUi W? W / lW / sa
lW / Ommhr ( AiU xclL)
oM M EimS AU xuA M oU q elMU mqTsOx AU
ozU M qkrq x zZA q Emsok MUr ei W AU
Cx oM M uoxCO q p Emsok MUr ar W|
3. Yr mNs mc uw M SUl Alci MUoU uruWU, aU
eqqSUl uml AU / r mixmk uUk uruWU M Mx
p qqs M oU q Mml M ZsT Mx p zrUkUM U
qqs SrU Mr ar W AU e ur uw M xqmi iM
soi W? rS Lx W i 50 zoS q iixok uuUh S|
zlr
4. Yr AmM Mml l Mx p Emp xuh / Emp
xi fl M mi sar W?
oM, zZA U mSl M el us aWM xu M ahu
M AMsl MUl M sL AU Aml aWM x xk mir
mmi MUl M sL, LM xu- lWi, xOmr mzlus xp
mir sl M sL aWM M uiUi MUl sL oM M
zZA M Emsok MUr ar j| xuh M lwMw Cx
mMU W:
1. 93% aWM LOLq xoki xuA x xi W|
2. 82% aWM COUlO xuA x xi W|
3. xqa m x 90% aWM oM M xuA x xi j |
The grants for the projects are disbursed in stages depending
upon the progress of the developmental work and after
conducting pre-developmental and post-developmental site
visits. The assistance are handed over by organizing public
function involving the community members ensuring their
participation in the projects.
The Bank has a mechanism to ensure that the community
adopts to the developmental process.
Principle 9: Businesses should engage with and provide value to
their customers and consumers in a responsible manner
1. What percentage of customer complaints/consumer cases are
pending as on the end of nancial year.
1.41% (1534) of the 108836 customer complaints
received were pending as at the end of the
nancial year.
2. Does the company display product information on the product
label, over and above what is mandated as per local laws? Yes/
No/N.A. /Remarks(additional information)
The information about the products and services offered
by the Bank are made available in the branches through
pamphlets and brochures and is also made available in the
Banks website.
3. Is there any case led by any stakeholder against the
company regarding unfair trade practices, irresponsible
advertising and/or anti-competitive behavior during
the last ve years and pending as on end of nancial
year. If so, provide details thereof, in about 50 words
or so.
Nil.
4. Did your company carry out any consumer survey/ consumer
satisfaction trends?
To assess the quality of customer service rendered by the
Banks branches and to get the feedback directly from the
customers, a self contained, prestamped questionnaire was
made available to all branches for distributing the same to
customers for providing their feedback. The nding of the
Survey is as under:
1. 93% of the customers were satised with ATM
related services.
2. 82% of the customers were satised with internet
services.
3. Overall 90% of the customers were satised with the
Banks services.
93
 MmUO aullx mU lSzM
qQs M UmO
2014-2015
REPORT OF THE BOARD OF DIRECTORS ON
CORPORATE GOVERNANCE

94
MmUO aullx
lx mU lSzM
qQs M UmO
1)) MmUO aullx mU oM M Szl:
"MmUO aullx, xp zrUkUM M xxjU uMx M
sL xmS M mpu mokl u ExM uiUh ij xqeM
Sriu lpl M sL xuq mokl AcUh M Almra,
xW qrl q Mll M Almsl Lu liM qlM M
AlxUh MUl W|"
MlU oM M xMsml Axi xupa, aWMlqZi,
EimS lulqwh, spmSi M q xuq AcUh ij
zrUkUM M xuki qsr M xj u xiUr oM M
m q EpUl W| Cx xMsmi sr M mmi MUl M Sz
q Aml mrx q oM MmUO aullx M mpu mhs
mU xo x erS eU S UW W| lSzM qQs, uU mokl
i AU MrmsM M oc q Aiuism Lx Wi W M
ExM LM oeQ AU Asa pqM W iM Zx iU mU
Aml zrUkUM M AU AqiU mU eli M xuki qsr
mmi W xM|
xqa Ezr Mml qsr, AcU xWiA ij xqci
uruWU M Alr qlM M msl M eUL xqxi WikUM-
eqMiA, zrUkUM, aWM, EkUMiA, MqcUr
AU xqe M Ciq xxjU qsr Emsok MUl W|
2) lSzM qQs:
oM M lSzM qQs M aPl, oMa Mml (Emq M
AkaWh ij AiUh) Aklrq 1970 (rj xzki) M
kU 9(3) Lu UrMi oM (mokl Lu uuk mukl)
rel 1970 (rj xzki) M AlxU Mr ar W|
oM M oQ q ahqlr ur W, elWl oMa AU iixok
Alr q Aml oWuk Lu SbMsM Alpu x oM
M mai q EssZlr xWra mSl Mr W|
oQ M xSxr M xqqh Lu oPM q ElM
Emxji xok uuUh mUz "M" u "Z" q Sr
ar W|
Report of the Board of Directors on
Corporate Governance
1) Banks philosophy on Corporate Governance
Corporate Governance is the application of best
management practices, compliance of law in true
letter and spirit and adherence to ethical standards
for effective management and distribution of wealth
and discharge of social responsibility for sustainable
development of all stakeholders.
The vision of Canara Bank is to emerge as a World
Class Bank with best practices in the realms of Asset
Portfolio, Customer Orientation, Product Innovation,
Protability and enhanced value for stakeholders. In
its endeavour to attain the goal visualized, the bank
is laying maximum emphasis on the effective system
of Corporate Governance. The interaction between
the Board, Senior Management and the Executives is
so congured as to have a distinctly demarcated role
so as to derive enhanced value to its stakeholders in
particular and society in general.
The overall objective is to optimize sustainable
value to all stakeholders-depositors, Shareholders,
customers, borrowers, employees and society through
adherence to Corporate values, Codes of conduct and
other standards of appropriate behaviour.
2) Board of Directors:
The Board of the Bank has been constituted under
Section 9(3) of the Banking Companies {Acquisition &
Transfer of undertaking} Act 1970 (as amended) and
Nationalized Bank (Management & Miscellaneous
Provision) Scheme 1970 (as amended).
The Board of the Bank consists of eminent
personalities, who through their rich and varied
experiences in Banking and other related elds have
made signicant contribution towards the progress
of the bank.
The composition of members of the Board and the
details of attendance at the meetings are given in
appendix A & B.
95
3) sZmU xqi:
oQ M sZmU xqi (L x o) M aPl, pUir Ueu
oM ij pUi xUMU M SzlSz M AlxU Mr ar W|
i) rW xqi oM M xqa sZmU Mr M mruh M
xj-xj lSz p mSl MUi W |
ii) oQ M sZ mU xqi M qZr Mr lqlui W:
M. oM M ur UmOa mr M mruh MUl Lu
xW, mrmi Lu uxlr mMOl xli MUl |
Z. sZMl lir AU uruWU mU uzw os Si
WL ur uuUh x xoki sZMl qlSQ
AU Mll AmA M Almsl xli MUi
WL mokl i M xj ur uuUh M xq
MUl, ij
a. o Lu AiUM sZmU, AiUM lrh M
mrmii, ahu Lu mpuzsi M xq MUl,
uwM sZ AU UmO M Aiq m Sl M mWs
o sZmUM M xj cc MUl ij oM M
u Lu eZq mokl lir M xq MUl |
iii) rW xqi oQ M sZ mU xqi U sla Tq
sZ mU UmO q EPr ar qqs M oU q xji
M xq MUi W |
iv) rW xqi pUir Ueu oM M lUh UmO q EPr
ar xp qqs / Ommhr M Aluil p MUi W |
v) oQ M sZ mU xqi Almsl M, AiU-zZ
sZ xqkl Alpa AS x mmi UmO M xq
p MUi W |
pUir Ueu oM l Aml m AUoAD/2010-11/269-QoLx.
LAULx.ox xZr: 4/08.91.20/2010-11, SlM 10.11.2010
U xq MshQU xci Mr W ex oQ M sZ mU 10.11.2010, conveyed the Calendar of Reviews to
xqi M Aqs MUl W | Cl qS M AukM xq M sL
oM M MmUO Apzxl li q zqs Mr ar W AU ClW
xq MshQU M qioM sZ mU xqi M xql ukui
UZ ei W |
sZ mU xqi M xSxr M xqqh Lu oPM q
ElM Emxji xok uuUh mUz "M" u "Z" q Sr
ar W |
3) Audit Committee:
The Audit Committee of the Board (ACB) has been
constituted by the bank as per guidelines of Reserve
Bank of India and the Government of India.
i) ACB provides directions and also oversees the
operation of the total Audit function of the Bank.
ii) The main functions of the committee are as
under:
a. To oversee the banks nancial reporting
process and ensuring correct, adequate and
credible disclosure of nancial information.
b. Reviewing with the management, the
nancial statements with special emphasis
on accounting policies and practices,
compliance with accounting standards
and other legal requirements, concerning
nancial statements and
c. Review the adequacy, quality and
effectiveness of external and internal audit,
internal control system, interaction with
external auditors before nalization of
Annual accounts and reports, review Banks
nance and risk management policies.
iii) ACB reviews the position with regard to issues
raised in the Long Form Audit Report (LFAR).
iv) It follows up on all the issues / concerns raised in
the Inspection Report of RBI.
v) ACB also makes a review of reports received
from Compliance Cell, Inter-Branch Account
Reconciliation (IBAR) section, etc.
The Reserve Bank of India, vide their letter RBI/2010-
11/269-DBS.ARS.BC.NO. 4/08.91.20/2010-11, dated
be followed by the Audit Committee of the Board.
These items have been incorporated in the Corporate
Governance Policy of the Bank for periodical review
and are duly placed before the Audit Committee as per
Calendar of Reviews.
The composition of members of Audit Committee and
the details of attendance at the meetings are given in
Appendix A &B.
96
4) (i) lqMl xqi:
pUir Ueu oM M xxcl QoAQ x. ox x.
47/29.39.001/2007-08 SlM 01.11.2007 M xSp q
oM M lSzM qQs l pUir Ueu oM M SzlSz
M AlxU qeS luci zrUkUM lSzM / mxiui
EqqSuU M Emri u qMsi xji lkUi MUl M
xqci mr z MUl M Ezr x LM lqMl xqi
M aPl Mr ar | xqi AuzrMilxU oPM Arei
MUa | zrUkUM lSzM M lucl mr lW Wl M
MUh ij luci zrUkUM lSzM U rj 31.03.2014
M mxii bwhA (eul u) q MD qWiumh mUuil lW
Wl M MUh uw 2014-15 M SUl xqi M MD oPM
Arei lW M aD |
(ii) mUqM xqi:
pUi xUMU M m LT x. 20/1/2005-oA.AD, SlM
09.03.2007 M xSp q pUi xUMU M SzlSz M
AlxU mhMsM lSzM M MrlwmSl M qsrMl
MUl M mrelj oM M lSzM qQs l mUqM
xqi aPi M W | ur uw 2014-15 M SUl, oM
l mhMsM lSzM M ur uw 2013-14 x xoki
MrlwmSl xo mixWl Uz M pail Mr | mUqM
xqi M xSxr M xqqh AU oPM q Emxji M
uuUh Alok "M" ij "Z" q Sr ar W |
(iii) lSzM M mUqM:
M) lSzM M mUqM, pUi xUMU M SzlSz M
AlxU AS Mr ei W | uw 2014-15 M SUl oM M
mhMsM lSzM M mS uil uuUh lqlui W :
lq u mSlq
u Lx MwhMqU
MrmsM lSzM
mql xW Uui
MrmsM lSzM
WUSz MqU o
MrmsM lSzM
Ueu MzU So
pimu Akr u mok lSzM
(SlM 30.09.2014 iM)
AzM MqU ami
pimu MrmsM lSzM (SlM
31.10.2014 iM)
Ms
4) (i) Nomination Committee :
In terms of RBI Communication DBOD No. BC.
No. 47/29.39.001/2007-08, dated 01.11.2007, the
Board of the Directors of the Bank had constituted
a Nomination Committee to undertake a process
of due diligence to determine the Fit and Proper
status of the existing elected Shareholder Directors/
Proposed Candidates as per the guidelines of RBI.
The Committee shall meet as and when required.
It didnt meet during 2014-15, since there was no
process of election of Shareholder Directors and also
no signicant changes in the declarations (bio-data)
submitted by the elected Shareholder Directors as on
31.03.2014 for conducting due diligence exercise.
(ii) Remuneration Committee:
In terms of GOI Letter F.No 20/1/2005-BO.I
Dt. 09.03.2007, the Board of Directors of the Bank
had constituted a Remuneration Committee to
evaluate the performance of whole time directors
as per GOI guidelines. During the nancial year
2014-15, the Bank has paid the performance linked
incentives pertaining to the nancial year 2013-14
to the Whole-time Directors. The composition of
members of Remuneration Committee and the
details of attendance at the meetings are given in
Appendix A &B.
(iii) Remuneration to Directors:
a) Remuneration to Directors is paid as per
Government of India guidelines. The details of
salary paid to the whole-time Directors of the
Bank, during the year 2014-15 are as under:
Uz (`) Name & Designation Amount (`)
Shri V S Krishna Kumar
23,01,470.00 Executive Director 23,01,470.00
Shri Pradyuman Singh Rawat
21,26,323.00 Executive Director 21,26,323.00
Shri Harideesh Kumar B
95,550.00 Executive Director 95,550.00
Shri R K Dubey
Ex-Chairman & Managing Director
24,15,716.00 (up to 30.09.2014) 24,15,716.00
Shri Ashok Kumar Gupta
Ex-Executive Director
18,85,077.57 (up to 31.10.2014) 18,85,077.57
88,24,136.57 TOTAL 88,24,136.57
97
 M) aU MrmsM lSzM M pUi xUMU U lkUi
oPM zsM M Asu Mx p mMU M mUqM
Uz lW S e UW W | xui lSzM M mS oPM
zsM mUz 'a' q S aD W |
5) WikUM xok xqi (mu q zrU kUM / luzM zMri
luUh xqi):
xcMUh MUU M ZQ 49 M AlxU zrUkUM / luzM
zMri xqi (Lx AD e Lx) M aPl Mr ar W|
ZQ 49 M xzki SzlSz M AlxU E xqi M
WikUM xok xqi (Lx AU x) M m q ml:lqMUh
Mr ar W | Cx xqi U zrU M AiUh, isl m mmi
l Wl, bwi spz uUO mmi l Wl AS xWi mipi
kUM M zMri M luUh M Almuil Mr ei W |
zrUkUM zMri xZrM
mmi zMri M xZr
Lx zMri elM xqkl x zrUkUM
xi lW WL
soi zMri
Emr zMri q x LM p zMri LM qWl x AkM soi
lW j |
xcMUh MUU M ZQ 47(L) M AlxU o laz oo, Mml
xcu oM M Almsl AkMU W |
WikUM xok xqi M xSxr M xqqh Lu oPM q ElM
Emxji xok uuUh mUz M ij Z q Sr ar W |
WikUM xok xqi M xSxr M xqqh Lu oPM q ElM
Emxji xok uuUh mUz M ij Z q Sr ar W |
Alr xqir:
(M) mokl xqi:
oQ M mokl xqi UrMi oM (mokl u uuk
mukl) rel 1970 (rj xzki) M mukl M
AlxU aPi M aD W| mokl xqi U xZ mxiu
M qeU, Gh, o Zi sZl M mxiu M xqfi
/ lmOl, me AU Uexu urr M AlqSl, mUxU
M AkaWh AU MUr mU sl, uS / Ams M
SrU MUl, luz, Sl AU oQ M xqi M xSpi
r mirrei Alr qqs M xok q oQ U mS
xp AkMU M mra Mr ei W |
b) Non - Executive Directors are not being paid any
other remuneration except Sitting Fees as xed
by Government of India. The sitting fees paid to
the Directors is given in the Appendix C.
5) Stakeholders Relationship Committee (Previously
Shareholders/ Investors Grievances Committee) :
The Shareholders/Investors Grievances Committee
(SIGC) has been constituted in terms of Clause
49 of the Listing Agreement. As per the revised
guidelines of Clause 49, the same has been renamed
as Stakeholders Relationship Committee (SRC). The
Committee monitors the redressal of the grievances
of the security holders of the Bank including
complaints related to transfer of shares, non- receipt
of balance sheet, non-receipt of declared dividend
warrants.
Shareholders Grievances Statistics:
1649 Complaints Received 1649
Complaints not solved to the satisfaction
zlr Nil
of shareholders
zlr Pending complaints Nil
None of the above complaints were pending for more
than a month.
In terms of Clause 47(a) of the Listing Agreement, Shri
B Nagesh Babu, Company Secretary is the Compliance
Ofcer of the Bank.
The Composition of members of Stakeholders
Relationship Committee and details of attendance at the
meeting are given in appendix A & B.
Other Committees:
(a) Management Committee:
The Management Committee of the Board
is constituted as per the clause 13 of the
Nationalised Banks (Management and
Miscellaneous Provisions) Scheme, 1970 (as
amended). The Management Committee
exercises all the powers vested with the
Committee in respect of sanctioning of credit
proposals, compromise/ settlement of loans,
write-off proposals, approval of capital and
revenue expenditure, acquisition and hiring of
premises, ling of suits/ appeals, investment,
donations and any other matter referred to or
delegated to the Committee by the Board.
98
 mokl xqi M xSxr M xqqh Lu oPM q
ElM Emxji uuUh mUz M ij Z q Sr
ar W |
(Z) eZq mokl xqi:
oM M AMU, eOsi M xiU, eZq mTCs AU
oM M mUcsl M urmi M Alm oM l Eci
eZq mokl lir mri M W |
oM M sL LMMi eZq mokl mi Wi li Lu
Uhli mri MUl M sL oQ xiUr eZq mokl
xqi M aPl Mr ar W |
cM eZq mokl mi M xqi SMh M qkrq
x Mrlui MUl W, cU E xiUr xqir Aji
xZ eZq mokl xqi, oeU eZq mokl xqi
Lu mUcsliqM eZq mokl xqi xjmi W e
eZq mokl x xoki xp xqlr eZq x
muUi qxs M xpsi W | Cl cU xqir M
Akr oM M mok lSzM u qZr MrMU AkMU
r MrmsM lSzM W ij uU MrmsM U Cx
qqs q ElM xWri M ei W |
oQ M eZq mokl xqi M xSxr M xqqh
AU oPM q ElM Emxji M uuUh mUz M
ij Z q Sr ar W |
(a) Axi Sri mokl xqi:
pUir Ueu oM M lSz M AkU mU oM l
AiUM Axi Sri mokl xqi M aPl Mr W,
exM Akri oM M mok lSzM u qZr MrMU
AkMU r MrmsM lSzM U M ei W |
xqi M Alr xSxr q oM M uU MrmsM
zqs Wi W|
Axi Sri mokl xqi M Mr M urmi
lqlMi W :
M) iUsi eZq mokl
Z) oeU eZq mokl
a) urmUM eZq mokl
b) lkrl Lu me Arel
X) sp Arel Lu uMx Arel
The composition of members of Management
Committee and the details of attendance at the
meetings are given in Appendix A&B.
(b) Risk Management Committee:
The Bank has evolved suitable Risk Management
Policies consistent with the size of the Bank,
level of complexity, risk prole and scope of
operations of the Bank.
A Board Level Risk Management Committee
has been formed, with the responsibility of
devising policy and strategy for integrated Risk
Management System for the Bank.
As the Risk Management system is required
to be implemented through a Committee
approach, four high level committees viz.
Credit Risk Management Committee, Market
Risk Management Committee, Operational
Risk Management Committee and Group Risk
Management Committee are in place to deal
with the issues relating to Risk Management
covering all generic risks. The MD&CEO or
ED of the Bank is the Chairman for all the
four Committees, assisted by the Senior Level
Executives of the Bank.
The composition of members of Risk
Management Committee of the Board and the
details of attendance at the meetings are given
in appendix A & B.
(c) Asset Liability Management Committee:
Based on RBI directives, the Bank has set up an
internal Asset Liability Management Committee
(ALCO) headed by MD&CEO or ED of the Bank.
The other members of the Committee include
the Senior Executives of the Bank.
The scope of ALCO functions is as follows:
(A) Liquidity risk management
(B) Management of market risk
(C) Trading risk management
(D) Funding and capital Planning
(E) Prot Planning & Growth Planning
99
Axi Sri mokl xqi lus ore Ar mU Axi u Sri The ALCO deliberates in detail over the liquidity position
Sl M ore SU q mUuil x Wlus mpu Lu iUsi xji and the impact of changes in the interest rates of both
M oU q uxii m x ucU uqz MUi W| assets and liabilities on the Net- Interest Income.

6)) xqlr oPM: 6) General Body meetings:

mNs il uwM xqlr oPM M uuUh lc The details of last three Annual General Meetings
mxii W: held are furnished here below:

SlM xqr xjl Date Time Venue

leri BQOUrq, Jnanajyothi Auditorium,
04 28.06.2012 4 pm Central College, Palace Road,
28.06.2012 xOs Mse,
AmU Bengaluru - 560 001
msx UQ, oas- 560 001
leri BQOUrq, Jnanajyothi Auditorium,
10 22.07.2013 10 am Central College, Palace Road,
22.07.2013 xOs Mse,
mu Bengaluru -560 001
msx UQ, oas- 560 001
Auditorium - 1, NIMHANS
xpaW 1, lqWx, Convention Centre,
3.30 Muxl xOU, WxU ql UQ, 21.07.2014 3.30 pm Hombegowda Nagar,
21.07.2014
AmU WqoaQ laU, Hosur Main Road,
oas - 560 029 Bengaluru - 560 029

mNs xqlr uwM oPM (Aji SlM 21.07.2014 M One special resolution was put through in last Annual
Arei oM M oUWu xqlr oPM) q MD uzw xMsm General Meeting (ie., 12th AGM of the Bank held on
lW UZ ar j ij QM qiSl p lW Mr ar | 21.07.2014) and there were no postal ballot exercise.

oUWu xqlr oPM q Emxji lSzM M uuUh mUz 'Z'
q Sr ar W |
oM l SlM 27.03.2015 M `10/- AMi qsr M 1,39,38,134
DYuO zrU `398.95/- M mqrq xWi `408.95/- M laq
qsr mU laqi / AoOi MUl M sL zrUkUM M xWqi
mmi MUl M Ezr x LM uzw xMsm M qkrq x LM
AxkUh xqlr oPM Arei Mr |
Details of attendance of Directors at the 12th Annual
General Meeting are given in Appendix B.
The Bank has conducted an Extraordinary General
Meeting on 27.03.2015 for the purpose of obtaining
consent of the shareholders by way of a Special Resolution
to issue / allot 1,39,38,134 equity shares of face value of
` 10/- each for cash at an Issue Price of ` 408.95 including
premium of ` 398.95.

7) mmMOl:
oM M xoki mO x slSl rj 31.03.2015 M islm
M sZ xok Ommh Alxc 18 q mMO Mr ar W |
oM l Aml zrU M xcMUh MUl M oS me oeU
x xoki xp qqs M Almsl Mr W | ai il uw
M SUl me oeU x xoki Mx p qqs q xOM
LYxce r xo Aju Mx p Alr xukM mkMUh
U oM mU l MD SQ sar ar W AU l W MD miMs
Ommh M aD W |
7) Disclosures:
The Related Party Transactions of the Bank are
disclosed in the notes on accounts schedule 18 of the
Balance Sheet as on 31.03.2015.
The Bank has complied with all matters related to
capital market since its listing of shares. There are
no penalties or strictures imposed on the Bank by
the stock exchanges or SEBI or any other statutory
authorities on any matter related to capital Markets,
during the last three years.

100
 oM l pUi xUMU M SzlSz M AlxU uWxs The Bank has drawn Whistle Blower Policy as per the
osAU li irU Mr W ij uWxs osAU xU mSl GOI guidelines and the protection has been extended
Mr ar W to the Whistle Blower.

oM l Aml ulrqM mkMUr U lkUi xU
AkSziqM AmA M Almsl Mr W |
xcMUh MUU M ZQ 49 M aU-AkSziqM AmA
M Mrlurl lqlui W:
The Bank has complied with all the mandatory
requirements prescribed by Regulatory Authorities.
The extent of implementation of non-mandatory
requirements of clause 49 of the Listing Agreement
are as under:

aU-AkSziqM Sl. Non Mandatory Status of Implementation

Mrlurl M xji
qM Am
No. Requirement

1. oQ oQ M aPl oMa Mml

1. The Board Board is Constituted
aU MrmsM (Emq M AkaWh ij A non-executive as per Section (9)(3) of
Akr, Akr M AiUh) Aklrq 1970 M Chairman may Banking Companies
Mrsr M xpsl kU 9(3) M AlxU Mr be entitled (Acquisition and Transfer
Wi AW Wa| ar W | Ai: rW ZQ oM to maintain of Undertaking) Act, 1970.
M sL sa lW W| a Chairmans Hence this clause is not
ofce. applicable for the Bank.

2. zrU kUM M oM l uw M SUl ML 2. Shareholder The Bank has sent Annual

AkMU aL EssZlr uMx x Rights Financial Results along
xoki xU xm xWi with the summary of
uwM ur mUhq xU signicant developments
zrUkUM M pe W | during the year, to all the
shareholders.

3. sZ mU xukM sZmUM l
rarir 3. Audit Statutory Auditors
SlM 31.03.2014 M
qualications have not issued any
xqmi uw M sL Aml
qualications in their
sZmU UmO q MD audit report for the year
rariL eU lW M W | ended 31.03.2014

4. Akr u qZr oQ M aPl oMa Mml

4. Separate Posts Board is Constituted
MrMU AkMU (Emq M AkaWh ij of Chairman and as per Section (9)(3) of
M Asa-Asa mS AiUh) Aklrq 1970 M CEO Banking Companies
kU 9(3) M AlxU Mr (Acquisition and Transfer
ar W | of Undertaking) Act, 1970.

101
 5. AiUM sZmUM qW mokM, lUh upa
5. Reporting of The General Manager,
M UmOa (AiUM sZmU) Internal Auditor Inspection Wing (Internal
ij ElM U lqMi Audit) and the ofcials
AkMUr M xp nominated by him have
unrestricted access to all
ApsZ, Axir,
records, assets, functions
MrMsm ij MqM AU
and personnel & have
oQ M sZmU xqi full and free access to
u uU mokl i q mh u the Audit Committee
Amioki Apaq W | of the Board and Senior
Management

8) Means of communication:
8) xmwh M q
qkrq:
krq:

MlU oM, oM x xoki elMU qZrir oM M uwM
UmO M eUL Si W, exq MmUO aullx mU lSzM
qQs M UmO, lSzM M UmO, sZmUi sZ, lMS
muW uuUh AS zqs W | zrUkUM M AZoU q
mMzl, xOM LYxce M xcl, mx umir Lu oM
M uoxCO AS M eUL p elMU S ei W | oM,
Mrsrl xqcU umir / mxiiMUh p uoxCO q
mSzi MUi W |
xcMUh MUU M ZQ 41 M AlxU ur mUhq AU
qsr q xuSlzsi xok Alr xclL xOM LYxce
M S ei W |
Canara Bank provides information relating to Bank
through its Annual Report which contains Report
of the Board of Directors on Corporate Governance,
the Directors report, audited accounts, cash ow
statements, etc. The shareholders are also intimated
of its performances, through publication in news
papers, intimation to stock exchanges, press releases
and through website at www.canarabank.com.
The Bank also displays ofcial News releases,
presentations in its website.
In terms of Clause 41 of the Listing Agreement,
Financial Results and other price sensitive
informations are furnished to Stock Exchanges.

mUhq M mMzl: Publication of Results:

xqmi mMzl M xqcU m Quarter Date of Newspaper

iqW iUZ Ended Publication
Sz pwL Ur Vernacular National
31.03.2014 06.05.2014 meuh oelx xOhQQ
31.03.2014 06.05.2014 Prajavaani Business
(Aae u WlS),
Standard
oelx sCl, (English & Hindi),
CMhqM OCqx Business Line,
u Ql WUsQ Economic Times
and Deccan
Herald

30.06.2014 22.07.2014 MQ oelx 30.06.2014 22.07.2014 Kannada Business

mp xOhQQ Prabha Standard

102
30.09.2014 07.11.2014 uer oelx xOhQQ 30.09.2014 07.11.2014 Vijay Business
MlOM (Aae u WlS) Karnataka Standard (English
& Hindi)
31.12.2014 05.02.2015 uer oelx xOhQQ 31.12.2014 05.02.2015 Vijay Business
MlOM (Aae u WlS) Karnataka Standard (English
& Hindi) and
u oelx sCl Business Line

9) zrUkUM M xqlr xcl: 9) General Shareholders Information:

ur MshQU Financial Calendar
ur uw 2014-2015 Financial year 2014-2015
oW oS Wl M iUZ 27.06.2015 - Book Closure Date 27.06.2015 -
(Sl Sl xWi) 14.07.2015 (Both days inclusive) 14.07.2015
mYx Tq mmi MUl M Aiq iUZ 09.07.2015 Last Date for receipt of proxy forms 09.07.2015
uwM xqlr oPM M iUZ 14.07.2015 Date of Annual General Meeting 14.07.2015
spz pail M iUZ 14.07.2015 Dividend Payment Date 14.07.2015
spz uUO M mwh M Probable date of dispatch of
xpui iUZ 21.07.2015 21.07.2015
dividend warrants

Listing on Stock Exchanges :

xOM LYxce q xcMUh :
Canara Bank shares are listed at the following
lqlMi xOM LYxce q MlU oM M zrU M xcMUh
Stock Exchanges. Stock Codes of respective stock
Mr ar W | xoki xOM LYxce M xOM MO ElM
exchanges are furnished against their names.
lq M Aa Sr ar W |

1 oqo xOM LYxce sqOQ 532483 1 Bombay Stock Exchange Ltd. 532483

2 lzls xOM LYxce BT CQr CANBK 2 National Stock Exchange of India CANBK
sqOQ Limited

uw 2014-15 M sL xOM LYxce M uwM xcMUh zsM Annual Listing fee to stock exchanges for the year
M pail lkUi Sr ij M ASU Mr ar W | 2014-15 has been paid within the prescribed due date.

103
oeU qsr AMQ
qW uw oqo xOM LYxce sqOQ lzls xOM LYxce BT CQr s.

Ak- lrliq zrU M q AkMiq lrliq zrU M q

Miq (`) (`) (`)
(`)
Ams 2014 299 250 55,18,019 299 258 5,78,52,466
qD 2014 492 273 1,68,84,328 492 273 13,93,92,664
el 2014 498 418 77,82,747 498 416 7,87,09,399
esD 2014 470 382 62,88,147 470 382 6,74,88,041
Aaxi 2014 414 357 43,62,936 414 356 4,31,22,487
xioU 2014 419 335 61,84,509 419 335 4,94,56,088
AoU 2014 403 344 34,11,885 404 344 2,85,05,383
luoU 2014 422 380 35,53,058 422 380 3,90,35,145
SxoU 2014 454 390 56,40,798 454 390 6,26,85,899
eluU 2015 478 431 33,26,743 479 431 3,44,77,931
TUuU 2015 461 392 59,84,439 462 392 4,78,62,095
qc 2015 451 346 41,39,563 452 346 3,52,26,561

Market Price Data

Month Year Bombay Stock Exchange Ltd. National Stock Exchange of India Ltd.

High Low Volume High Low Volume

(`) (`) No. (`) (`) No.
April 2014 299 250 55,18,019 299 258 5,78,52,466
May 2014 492 273 1,68,84,328 492 273 13,93,92,664
June 2014 498 418 77,82,747 498 416 7,87,09,399
July 2014 470 382 62,88,147 470 382 6,74,88,041
August 2014 414 357 43,62,936 414 356 4,31,22,487
September 2014 419 335 61,84,509 419 335 4,94,56,088
October 2014 403 344 34,11,885 404 344 2,85,05,383
November 2014 422 380 35,53,058 422 380 3,90,35,145
December 2014 454 390 56,40,798 454 390 6,26,85,899
January 2015 478 431 33,26,743 479 431 3,44,77,931
February 2015 461 392 59,84,439 462 392 4,78,62,095
March 2015 451 346 41,39,563 452 346 3,52,26,561

104
Alr mMOOl: Other Disclosures:
xo l Aml mUm xADAU/xLTQ/QADLs/10/2010 The SEBI, vide its Circular CIR/CFD/DIL/10/2010, dated
SlM 16.12.2010 U DYuO sxOa MUU M ZhQ 5 L q 16.12.2010, made amendments to Clause 5A of the
Equity Listing Agreement. As per the amendment, for
xzkl Mr | xzkl M AlxU, xuelM r Mx Alr Czr
shares issued in physical form pursuant to a public issue
M mUhqxum piM m q eU Mr ar zrU, e ASu or any other issue, which remain unclaimed, the issuer
UW ei W, M sL eUMi Mml U Exq lkUi mr company has to follow the procedure prescribed therein.
Amll W | Clause 5 A - The Bank had gone for IPO during 2002-03
and issued 41 Crore Equity Shares of face value of `10/-
ZhQ 5 L: oM l 2002-03 M SUl ADmA eU MUM to the investors both under Physical mode and Demat
luzM M `10/- AMi qsr M 41 MUQ DYuO zrU piM mode.
AU upiM Sl m q eU Mr | In terms of Clause 5A of the Listing Agreement,
the Unclaimed shares of the Bank in respect of Physical
xcMUh MUU M ZQ 5L M AlxU, piM zrU M qqs shares shall be credited to a demat suspense account
q ASu zrU eUMi oM U lmaU xWpa M xj opened by the issuer with one of the depository
Zs aL Eci Zi q eq Mr el W | iSlxU oM l MlU participants. Accordingly, the Bank had opened a Demat
Account with Canara Bank, DP Cell, Bengaluru. The details
oM, Qm M, oas q LM upiM (QqO) Zi Zs W |
are as under :
iSxok elMU lqllxU W :
Name of the Account: Canara Bank Unclaimed
Zi M lq: MlU oM - ASu Eci Zi - piM zrU Suspense Account Physical Shares DPID ID / Client ID
QmADQ ADQ / aWM mWcl xZr : 301356 / 20552606 Number: 301356 / 20552606
uuUh zrU mqhm zrU M Particulars No. of Share No. of
M xZr xZr Certicates Shares
rj 01.04.2012 M 4(ASu) 2200 As on 01.04.2012 4 (Unclaimed) 2200
2012-13 q ASu Eci Zi 2 1200 Transferred to Unclaimed 2 1200
M AiUi (EmrlxU) Suspense Account
mWcl ML aL / Q AU O (as stated above) in 2012-13
1 500
qqs Identied / DRT Case 1 500
mWcl ML aL ij 2013-14 1 500 Identied & handed over in 1 500
q WxiiUi 2013-14
rj 31.03.2015 M soi -- -- Pending as on 31.03.2015 -- --
rj 31.03.2015 M xji -- -- As on 31.03.2015, the position -- --

urmM AkU xcMM M mi MrlwmSl / Performance in comparison to Broad Based Indices

105
106
UexOU u AiUh LeO Registrar and transfer Agent
Mu MmrOUzrU mDuO sqOQ Karvy Computershare Pvt. Ltd
rlO: MlU oM Unit: Canara Bank
Mu xslrq OuU o, msO x.31-32, Karvy Selenium Tower B, Plot No. 31-32
aous, llqaQ ur es Gachibowli, Financial District, Nanakramguda
WSUoS - 500 032 HYDERABAD 500 032
zrU AiUh mhs Share Transfer System
(a) Physical Shares:
(M) piM zrU:
The Original Share Certicates along with
zrU M AiUh / mwh M sL AiUh usZ M xj qs transfer deed should be forwarded to M/s Karvy
zrU mqhm, oM M UexOU u zrU AiUh LeO qxx Computershare Pvt. Ltd, Hyderabad, the Registrar
Mu MmrOUzrU mCuO sqOQ, WSUoS M Aawi MUl and Share Transfer Agents of the Bank for transfer /
cWL | transmission of shares.

(Z) upiM m q zrU: (b) Shares in Demat form:

In case the shares are in demat form, Delivery
upiM m q zrU W i, ElM AiUi MUl M sL Instructions are to be given to the concerned
xoki lmaU xWpa (Qm) M xmSa AlSz Sl W| Depository Participant (DP) for transfer of shares.

zrU kUh M xuiUh Distribution of Shareholding

huU (31.03.2015) Category wise (31.03.2015)

h # zrU M zrU kUh Sl Category # No. of shares % of share

x xZr M % No. holding
Government of
1 pUi xUMU (*) 332196971 69.91 1 (*) 332196971 69.91
India
2 oM u ur xxjL 3170453 0.67
Banks & Financial
2 3170453 0.67
3 oq Mmlr 36534724 7.69 Institutions
4 qrcrAs TQ 23093947 4.86 Insurance
3 36534724 7.69
Companies
5 MmUO lMr 4492269 0.94
4 Mutual Funds 23093947 4.86
6 Ll AU AD / A x o 612713 0.13 5 Bodies Corporate 4492269 0.94

lux ur / Aup 6 NRIs/OCBs 612713 0.13

7 WlS mUuU / lrx 24821672 5.22 Resident
AS 7 Individuals/HUF / 24821672 5.22
Trust etc.
uSz xxjai Foreign
8 50274222 10.58
luzM 8 Institutional 50274222 10.58
investors / FPIs
Ms 475196971 100 TOTAL 475196971 100
# mirM zrU M lqq qsr `10/- W # Nominal value of each share is `10/-
(*) lO: oM l SlM 31.03.2015 M Akqli AkU mU pUi xUMU M (*) Note: The Bank had issued / allotted 1,39,38,134 equity shares to
1,39,38,134 DYuO zrU laqi / AoOi Mr | Government of India on Preferential basis on 31.03.2015.

107
qsr uU: (31.03.2015)

zrU kUh M zrUkUM M

% zrU M xZr %
lqq qsr (`) xZr

5000 iM 132611 93.85 15014231 3.16

5001 x 10000 6435 4.55 5289380 1.11

10001 x 20000 1220 0.86 1798912 0.38

20001 x 30000 293 0.21 736930 0.16

30001 x 40000 113 0.08 396177 0.08

40001 x 50000 119 0.08 536853 0.11

50001 x 100000 162 0.11 1196803 0.25

100001 u Exx 365 0.26 450227685 94.75

AkM

Ms 141318 100 475196971 100

Value wise: (31.03.2015)

Shareholding No. of % No. of Shares %

Nominal Value (`) Shareholders

Up to 5000 132611 93.85 15014231 3.16

5001 to 10000 6435 4.55 5289380 1.11

10001 to 20000 1220 0.86 1798912 0.38

20001 to 30000 293 0.21 736930 0.16

30001 to 40000 113 0.08 396177 0.08

40001 to 50000 119 0.08 536853 0.11

50001 to 100000 162 0.11 1196803 0.25

100001 and above 365 0.26 450227685 94.75

TOTAL 141318 100 475196971 100

108
zrU M
M upiMMUh AU lMS:
oM M zrU M ZUS-TUZi Alurir upiMMi m q
W Mr ei W | Aml zrU M upiMMUh M sL oM qxx
lzls xYrUOe QmeOU sqOQ (LlLxQLs) AU qxx
xOs QmeOUx xuxe (CQr) sqOQ (xLxQLs) M
xj MUU q mu WA | oM zrU M sL AoOi ADLxADLl
ADLlD.476L01014 W | zrU M upiMMUh ElM Axl
lMSMUh xli MUi W |
oM M zrU M upiM m q W ZUS TUZi Wl M
MUh piM m q zrU M kUh MUlus zrUkUM M
Mx lmaU xWpa M mx upiM Zi ZsMU zrU
M upiM m q oSsl M sL xoki lmaU xWpa M
pel W e ElW Aa qxx Mu MmrOUzrU mCuO sqOQ,
WSUoS M pea, e zrU M upiM m q mUuil M sr
oM M UexOU u AiUh LeO W |
upiMMi / piM m x kUh (31.03.2015
(31.03.2015)
zrUkUM % zrU M
M xZr
piM 27216 19.26
CsYOlM-LlLxQLs 85156 60.26 129304976 27.21
CsYOlM-xQLxLs 28946 20.48 325697439 68.54
Ms 141318
lO: oM l SlM 31.03.2015 M Akqli AkU mU
(*)l
pUi xUMU M 1,39,38,134 DYuO zrU laqi / AoOi
Mr | SlM 31.03.2015 M pUi xUMU x mmi AuSl Uz
rj 31.03.2015 M isl m M me u zrU mqrq Zi q
zqs ML el M MUh AoOi zrU x Q Lx Ls M xj
pUi xUMU M Q qO Zi q eq MUl x mu piM m q UZ aL|
Alrj, oM M Ms laqi zrU q x piM m q Emsok zrU
1.32% ij x Q Lx Ls h q Q qO m q Emsok zrU 71.47 j |
eQAU / LQAU / uUO r MD mUuilr sZi oMr lW W |
mcU M mi
MlU oM
xcur mpa
mok lSzM u qZr MrMU
AkMU M xcusr
mkl Mrsr, 112, e x UQ
oasU - 560 002
D-qs mi: hosecretarial@canarabank.com
Dematerialisation of shares and liquidity:
The Banks shares are traded compulsorily in
dematerialized form only. The Bank has entered into
agreement with M/s National Securities Depository
Limited (NSDL) and M/s Central Depositories Services
(India) Limited (CDSL) for Dematerialisation of the
Banks shares. The ISIN allotted to the Banks shares is
INE476A01014. Dematerialisation of the shares ensures
easy liquidity.
Since the shares of the Bank are traded in demat mode,
the shareholders holding shares in physical form, have
to open Demat Accounts with any of the Depository
Participant (DP) and surrender their original share
certicates to the concerned Depository Participant (DP)
for onward transmission to M/s Karvy Computershare
Private Limited, Hyderabad, the R & T Agents of the Bank,
for conversion of shares in demat form.
Demat / Physical Holding (31.03.2015)
% Number of % Number of %
xZr Shareholders Shares
20194556 (*) 4.25 Physical 27216 19.26 20194556 (*) 4.25
Electronic-NSDL 85156 60.26 129304976 27.21
Electronic-CDSL 28946 20.48 325697439 68.54
100 475196971 100 TOTAL 141318 100 475196971 100
(*)Note: The Bank had issued / allotted 1,39,38,134 equity
shares to Government of India on Preferential basis on
31.03.2015. Since the application money received from GOI
on 31.03.2015, has been accounted for in Balance Sheet as on
31.03.2015 under Capital and Share Premium accounts, the
allotted shares were kept in Physical Mode before crediting to
the demat account of GOI with CDSL. Otherwise, the shares in
physical mode would have been at 1.32 % and demat shares in
CDSL category at 71.47 % in the total issued shares of the Bank.
There are no outstanding GDRs / ADRs / Warrants or any
convertible instruments
Address for Correspondence
CANARA BANK
SECRETARIAL DEPARTMENT
MD & CEOS SECRETARIAT
HEAD OFFICE, 112, J C ROAD
BENGALURU - 560 002
EMAIL ID: hosecretarial@canarabank.com
109
mUz M
i. lSzM qQs M xqqh (31.03.2015
(31.03.2015)

x lq mMU MrMs Alr oQ q xSxri

1. u Lx Mwh MqU M l 04.04.2013-30.04.2015 8

2. mql xW Uui M l (A m- 05.08.2013-31.05.2016 zlr
-m l)
3. WUSz MqU o M l 11.03.2015-31.05.2017 zlr

4. Q. Uei pau p x Nominated on 26.07.2013 zlr

5. qi Eq zMU p U o Nominated on 23.02.2015 zlr

6. e u qhqUl A l 03.01.2014-02.01.2017 zlr

7. xls WYqcS McO aU M l- 06.12.2013-05.12.2016 1 (zrUkUh)

x s
8. xDUq pxMU qcUs aU M l 05.12.2013-04.12.2016 2
9. UelSU MqU ars z l 27.07.2013-26.07.2016 8
10. xer el z l 27.07.2013 -26.07.2016 1 (xfSU)

Appendix A
i. COMPOSITION OF BOARD OF DIRECTORS (31.03.2015)

Sl NAME TYPE TERM OF OFFICE MEMBERSHIP OF

No. OTHER BOARDS
1. SHRI V S KRISHNA KUMAR ED 04.04.2013-30.04.2015 8
2. SHRI PRADYUMAN SINGH RAWAT ED 05.08.2013-31.05.2016 Nil
(Additional
charge - MD &
CEO)
3. SHRI HARIDEESH KUMAR B ED 11.03.2015-31.05.2017 Nil
4. Dr. RAJAT BHARGAVA GOI Nominated on Nil
26.07.2013
5. SMT UMA SHANKAR RBI Nominated on Nil
23.02.2015
6. SHRI G V MANIMARAN OD 03.01.2014-02.01.2017 Nil
7. SHRI SUNIL HUKUMCHAND KOCHETA NED - CA 06.12.2013-05.12.2016 1(shareholding)
8. SHRI SAIRAM BHASKAR. MOCHERLA NED 05.12.2013-04.12.2016 2
9. SHRI RAJINDER KUMAR GOEL SD 27.07.2013-26.07.2016 8
10. SHRI SANJAY JAIN SD 27.07.2013 -26.07.2016 1 (Partner)

110
ii. 2014-15 M SUl MrMs xqmi lSzM M orU

1. Ueu MzU So A u m l 11.01.2013 30.09.2014 s.l.

2. AzM MqU ami M l 28.07.2011-31.10.2014 s.l.

3. qi ql WqcS p U o 13.10.2011-22.02.2015 s.l.

4. e u xozu Uu Mq. l 21.10.2011-20.10.2014 s.l.

5. xil xlW aU M l 17.10.2011-16.10.2014 s.l.

ii. PARTICULARS OF DIRECTORS WHOSE TERM HAS ENDED DURING 2014-2015

1. SHRI R K DUBEY C&MD 11.01.2013 30.09.2014 NA

2. SHRI ASHOK KUMAR GUPTA ED 28.07.2011-31.10.2014 NA

3. SMT MEENA HEMCHANDRA RBI 13.10.2011-22.02.2015 NA

4. SHRI G V SAMBASIVA RAO WD 21.10.2011-20.10.2014 NA

5. SHRI SUTANU SINHA NED 17.10.2011-16.10.2014 NA

xMi / KEY

A u m l / C&MD Akr u mok lSzM / Chairman & Managing Director

m l u q M A / MD & CEO mok lSzM u qZr MrMU AkMU / Managing Director & Chief Executive Ofcer

M l / ED MrmsM lSzM / Executive Director

p x / GOI pUi xUMU lSzM / Government of India

p U o / RBI pUir Ueu oM lSzM / Reserve Bank of India

A l / OD AkMU lSzM / Ofcer Director

aU Ml / NED aU-MrmsM lSzM / Non-Executive Director

z l / SD zrUkUM lSzM / Shareholder Director

Mq. l / WD MqaU lSzM / Workmen Director

s l / NA sa lW / Not Applicable

111
iii. oQ M xqir M xqqh / iii. COMPOSITION OF COMMITTEES OF THE BOARD

xqi / COMMITTEE Akr/ CHAIRMAN

Akr xSxr / MEMBERS

mokl xqi u Lx MwhMqU mql xW Uui / Shri Pradyuman Singh Rawat

Management Committee Shri V S Krishna Kumar WUSz MqU o / Shri Harideesh Kumar B

qi Eq zMU / Smt Uma Shankar

e u qhqUl / Shri G V Manimaran

UelSU MqU ars / Shri Rajinder Kumar Goel

xer el / Shri Sanjay Jain

eZq mokl xqi Risk u Lx MwhMqU mql xW Uui / Shri Pradyuman Singh Rawat

Management Committee Shri V S Krishna Kumar WUSz MqU o / Shri Harideesh Kumar B

xDUq pxMU qcUs/ Shri Sairam Bhaskar Mocherla

UelSU MqU ars / Shri Rajinder Kumar Goel

xer el / Shri Sanjay Jain

sZmU xqi xDUq o. qcUs / u Lx MwhMqU / Shri V S Krishna Kumar

Audit Committee Shri Sairam Bhaskar mql xW Uui / Shri Pradyuman Singh Rawat
Mocherla WUSz MqU o / Shri Harideesh Kumar B

Q. Uei pau / Dr. Rajat Bhargava

qi Eq zMU / Smt Uma Shankar

xls WYqcS McO / Shri Sunil Hukumchand Kocheta

zrUkUM / luzM UelSU MqU ars u Lx MwhMqU / Shri V S Krishna Kumar

M zMri xqi Shri Rajinder Kumar mql xW Uui / Shri Pradyuman Singh Rawat
Goel
Stakeholders WUSz MqU o / Shri Harideesh Kumar B
Relationship Committee xls WYqcS McO / Shri Sunil Hukumchand Kocheta

mUqM xqi Q. Uei pau qi Eq zMU / Smt Uma Shankar

Remuneration Dr. Rajat Bhargava xDUq pxMU qcUs/ Shri Sairam Bhaskar Mocherla
Committee xer el / Shri Sanjay Jain

112
mUz Z
lSzM M Emxji M orU
mokl sZ eZq mNs
Lx.AU.x.
Lx.AU.x.* kUi zrU
lq oQ oPM xqi mU mokl xqi uwM
x oPM M xZr
oPM oPM oPM xqlr oPM
Emxji/ Emxji/ Emxji/ Emxji/ Emxji/
Arei Arei Arei Arei Arei
1. u Lx Mwh MqU 12/13 23/23 9/9 1/1 7/7 10
2. mql xW Uui 10/13 18/23 8/9 1/1 6/7 zlr
3. WUSz MqU o 1/1 1/1 1/1 -- 1/1 s l zlr
4. Q. Uei pau 7/13 -- 2/9 -- -- X zlr
5. qi Eq zMU 2/2 1/2 1/1 -- -- s l zlr
6. e u qhqUl 13/13 19/19 -- -- 5/5 zlr
7. xls WYqcS McO 12/13 18/19 7/7 1/1 5/5 zlr
8. xDUq pxMU qcUs 11/13 7/8 5/5 -- 2/2 zlr
9. UelSU MqU ars 12/13 17/17 -- 1/1 5/5 s l 100
10. xer el 13/13 15/15 -- -- 4/4 200

uw 2014-2015 M SUl MrMs xqmi lSzM M Emxji M orU

1. AU M So 7/7 12/12 -- -- 4/4 Nil
2. AzM MqU ami 5/8 8/13 4/5 -- 2/4 Nil
3. qi ql WqcS 6/11 9/20 4/8 -- -- x Nil
4. e u xozuUu 6/7 5/6 -- -- -- Nil
5. xil xlW 7/7 4/4 5/5 -- -- Nil

up oPM M iUZ
mokl sZ eZq mN-
Lx.AU.x.
Lx.AU.x.*
oQ oPM xqi mU mokl xqi s uwM DeLq
oPM
oPM oPM oPM xqlr oPM
28.04.14 08.04.14 05.05.14 09.03.15 28.04.14 21.07.14 27.03.15
05.05.14 28.04.14 26.05.14 14.06.14
26.05.14 14.05.14 14.06.14 26.08.14
23.06.14 26.05.14 21.07.14 27.09.14
21.07.14 14.06.14 08.09.14 30.12.14
26.08.14 23.06.14 06.11.14 24.02.15
30.09.14 07.07.14 04.02.15 19.03.15
31.10.14 01.08.14 23.02.15
06.11.14 26.08.14 23.03.15
10.01.15 13.09.14
04.02.15 18.09.14
09.03.15 27.09.14
23.03.15 15.10.14
20.11.14
05.12.14
13.12.14
24.12.14
30.12.14
16.01.15
04.02.15
24.02.15
09.03.15
25.03.15
Me: Lx AD e x: zrUkUM / luzM mUuS xqi M oPM s l: sa lW

113
Appendix B
DETAILS OF ATTENDANCE OF DIRECTORS
SL. NAME BOARD MANAGE- AUDIT SRC* RISK MAN- LAST NO. OF
NO. MEETING MENT COMMITTEE MEETING AGEMENT ANNUAL SHARES
COMMITTEE MEETING COMMITTEE GENERAL HELD
MEETING MEETING MEETING
Attended/ Attended / Attended / Attended / Attended /
Held Held Held Held Held
1. SHRI V S KRISHNA KUMAR 12/13 23/23 9/9 1/1 7/7 10
2. SHRI PRADYUMAN SINGH 10/13 18/23 8/9 1/1 6/7 Nil
RAWAT
3. SHRI HARIDEESH KUMAR B 1/1 1/1 1/1 -- 1/1 NA Nil
4. DR. RAJAT BHARGAVA 7/13 -- 2/9 -- -- X Nil
5. SMT UMA SHANKAR 2/2 1/2 1/1 -- -- NA Nil
6. SHRI G V MANIMARAN 13/13 19/19 -- -- 5/5 Nil
7. SHRI SUNIL HUKUMCHAND 12/13 18/19 7/7 1/1 5/5 Nil
KOCHETA
8. SHRI SAIRAM BHASKAR 11/13 7/8 5/5 -- 2/2 Nil
MOCHERLA
9. SHRI RAJINDER KUMAR GOEL 12/13 17/17 -- 1/1 5/5 100
10. SHRI SANJAY JAIN 13/13 15/15 -- -- 4/4 200

DETAILS OF ATTENDANCE OF DIRECTORS WHOSE TERM HAS ENDED DURING 2014-2015

1. SHRI R K DUBEY 7/7 12/12 -- -- 4/4 Nil
2. SHRI ASHOK KUMAR GUPTA 5/8 8/13 4/5 -- 2/4 Nil
3. SMT MEENA HEMCHANDRA 6/11 9/20 4/8 -- -- x Nil
4. SHRI G V SAMBASIVA RAO 6/7 5/6 -- -- -- Nil
5. SHRI SUTANU SINHA 7/7 4/4 5/5 -- -- Nil

DATES OF VARIOUS MEETINGS

BOARD MANAGE- AUDIT SRC* RISK MAN- LAST EGM
MEETING MENT COMMITTEE MEETING AGEMENT ANNUAL
COMMITTEE MEETING COMMITTEE GENERAL
MEETING MEETING MEETING
28.04.14 08.04.14 05.05.14 09.03.15 28.04.14 21.07.14 27.03.15
05.05.14 28.04.14 26.05.14 14.06.14
26.05.14 14.05.14 14.06.14 26.08.14
23.06.14 26.05.14 21.07.14 27.09.14
21.07.14 14.06.14 08.09.14 30.12.14
26.08.14 23.06.14 06.11.14 24.02.15
30.09.14 07.07.14 04.02.15 19.03.15
31.10.14 01.08.14 23.02.15
06.11.14 26.08.14 23.03.15
10.01.15 13.09.14
04.02.15 18.09.14
09.03.15 27.09.14
23.03.15 15.10.14
20.11.14
05.12.14
13.12.14
24.12.14
30.12.14
16.01.15
04.02.15
24.02.15
09.03.15
25.03.15
KEY: SRC: Stakeholders Relationship Committee Meeting. NA: Not Applicable

114
mUz a
uw 2014-15 M sL lSzM M mS Emxji zsM

mS Emxji zsM
x lSzM M lq
(`)

1 e u xozu Uu (20.10.2014 iM) 85,000

2 e u qhqUl 2,60,000

3 xls WYqcS McO 3,00,000

4 xil xlW (16.10.2014 iM) 1,25,000

5 xDUq pxMU qcUs 2,00,000

6 UelSU MqU ars 2,75,000

7 xer el 2,70,000

Appendix C
SITTING FEES PAID TO DIRECTORS FOR THE YEAR 2014-15

Sitting Fees paid

Sl. No. Name of the Director
(`)

1 Shri G.V.Sambasiva Rao (up to 20.10.2014) 85,000

2 Shri G.V.Manimaran 2,60,000

3 Shri Sunil Hukumchand Kocheta 3,00,000

4 Shri Sutanu Sinha (up to 16.10.2014) 1,25,000

5 Shri Sairam Bhaskar Mocherla 2,00,000

6 Shri Rajinder Kumar Goel 2,75,000

7 Shri Sanjay Jain 2,70,000

115
 mok lSzM u qZr MrMU AkMU M bwh

oM M lSzM qQs Lu uU mokl MqM l 31.03.2015 M xqmi uw M sL

oM M AcUh xWi M Almsl MUl M m M W |

xjl : oasU
mql xW Uui
SlM : 01 el, 2015 MrmsM lSzM
(mok lSzM u qZr MrMU AkMU-AiU mpU)

DECLARATION BY MD & CEO

The Board of Directors and the Senior Management Personnel of the Bank
have afrmed conrming to the Code of Conduct of the Bank for the year
ended 31.03.2015.

PRADYUMAN SINGH RAWAT

Place : Bengaluru
EXECUTIVE DIRECTOR
Date : 01st June, 2015 (Additional Charge as MD & CEO)

116
MmUO aullx xok sZ mUM M
mqhm
xu q,
MlU oM M xSxr
Wql MlU oM U 31 qc, 2015 M xqmi uw M sL
MmUO aulx M zi M Almsl M mUh Mr W, ex M
xOM LYxce M xj E oM M xcMUh MUU ZQ 49 q
lkUi W|
MmUO aullx M zi M Almsl mokl M eqqSU W|
WqU mUh MmUO aullx M zi M Almsl xli MUl
M sL oM U Amlr ar rukr u ElM Mrlurl iM
xqi j| rW l i oM M ur uuUh M sZ mU W AU
l W Ex mU Apqi M Apur W|
oM U AlUi UMQ u msZ ij Wq mSl M aD xcl
u xmMUh M AkU mU, WqU Ur q, xOM LYxce M
xj ML aL FmU EssZi xcMUh MUU q lkUi MmUO
aullx M zi M oM l Almsl Mr W ij pUir Ueu
oM M SzlSz M Essbl lW Mr W |
Wq bwi MUi W M WikUM M xok xqi (mu q
zrUkUM/ luzM M zMri luUh xqi) U UZ aL
UMQ M AlxU oM M ZsT LM qWl x AkM Auk M
sL MD p luzM zMri soi lW W|
Wq Aa rW p bwi MUi W M Lx Almsl oM M pu
uruWri M xok q l MD Axl W AU l W uW oM M
Mr Mzsi r mpuzsi M oU q Axl W exM xj
mok i l oM M MUoU csr W|
Mi L. AU. Sx LQ LxxLOx
oas
09.05.2015
AUDITORS CERTIFICATE ON CORPORATE
GOVERNANCE
To,
The Members of Canara Bank
We have examined the compliance of conditions of
Corporate Governance by CANARA BANK for the year
ended 31st March, 2015 as stipulated in Clause 49 of
the Listing Agreement with the Stock Exchanges.
The compliance of conditions of Corporate Governance is
the responsibility of the Management. Our examination
was limited to procedures and implementation thereof,
adopted by the Bank for ensuring the compliance of
conditions of the Corporate Governance. It is neither
an audit nor an expression of opinion on the nancial
statements of the Bank.
On the basis of the records and documents maintained
by the Bank and the information and explanations given
to us, in our opinion, the Bank has complied with the
conditions of Corporate Governance as stipulated in the
above mentioned Listing Agreement to the extent these
do not violate RBI guidelines.
We state that no investor grievance is pending for
a period exceeding one month against the Bank as
per the records maintained by the Stakeholders
Relationship Committee (previously Shareholders /
Investors Grievance Committee).
We further state that such compliance is neither an
assurance as to the future viability of the Bank nor the
efciency or effectiveness with which the Management
has conducted the affairs of the Bank.
For A. R. Das & Associates
xlS sZMU Chartered Accountants
mrs ox Piyali Basu
xfSU Partner
Lq. l. 054704 Bengaluru M.No. 054704
LT AU Ll l. 306109 D 09.05.2015 FRN N0. 306109E
117
MlU oM M isl m, sp u Wl sZ
ij lMS muW uuUh
2014-2015
BALANCE SHEET, PROFIT & LOSS ACCOUNT
AND CASH FLOW STATEMENT OF CANARA BANK

118
xui sZ mUM M UmO
xu q,
pUi M Umi
ur uuUh mU UmO
1. Wql rj 31 qc 2015 M MlU oM M xsal u
uuUh M sZ mU M W elq rj 31 qc 2015 M
isl - m, io xqmi uw M sp-Wl sZ AU lMS
muW uuUh, qWiumh sZMl lir ij Alr xmMUM
elMUr (sZ xok Ommhr) zqs W | Cl u
uuUh q WqU U sZ mUi 20 zZA M, zZ
sZ mUM U sZ mUi 2671 zZA AU xjlr
sZ mUM U sZ mUi 6 uSz zZA M
uuUhr zqs M aD W | WqU U AU Alr sZ
mUM U sZ mUi zZL pUir Ueu oM U
lai qalSz M qioM oM U crli M aD W |
Cxq sZ mU lW M aD 3116 zZA M uuUhr
p zqs M W | sZmU lW M aD zZr 4.97%
Aaq, 16.39% eq, 4.18% ore Ar AU 14.54% ore
aPi MUi W |
ur uuUh M sL mokl i M EUSriu :
2. oMa ulrq Aklrq, 1949 M AlxU Cl ur uuUh
M irU MUl M sL mokl i EUSr W, exx ur
xji, ur MrlwmSl, u oM M lMS muW M pUir
Ueu oM ulrq Aklrq 1949, pUir Ueu oM M
SzlSz u pUir xlS sZMU xxjl U sa M
AlxU xW u xir fsM mxii M e xM | Cx EUSriu
q kZkQ M MUh W r O M MUh, uximUM AmMjl
x q ur uuUh M irU MUl M sL xo AiUM
lrh, m-x AU Mrlurl p xqWi Wi W |
mokl M Cx eqqSU q oM M Axir M xU ij
kZkQ UMl u luUh M sL mrmi sZMl ApsZ
M UZUZu, Eci sZMl li M crl u sa Mr
el, uuM mh Txs u Alql, u AiUM ur lrh
M mMl, Mrurl u UZUZu. zqs W e sZMl
ApsZ M mhi u xOMi xli MUi W ij ur
uuUhr M irU x xoki eZq mokl mhs e
xir u lwm fsM mxii MUi W ij kZkQ r Sw
eli Azr UWi W, e EmU uhi M AlxU oM
mokl U ur uuUh irU MUl M sL mra q sr
INDEPENDENT AUDlTORS REPORT
To,
The President of India
Report on the Financial Statements
1. We have audited the accompanying financial statements
of Canara Bank as on 31st March, 2015, which comprise
the Balance Sheet as at 31st March, 2015, Profit and
Loss Account, the Cash Flow Statement for the year then
ended, and a summary of significant accoun ng policies
and other explanatory informa on. Incorporated in
these financial statements are the returns of 20 branches
audited by us, 2671 branches audited by statutory branch
auditors and 6 foreign branches audited by local auditors
in respec ve countries. The branches audited by us and
those audited by other auditors have been selected by
the Bank in accordance with the guidelines issued to the
Bank by the Reserve Bank of India. Also incorporated in
the Balance Sheet and the Profit and Loss Account are
the returns from 3116 branches which have not been
subjected to audit. These unaudited branches account
for 4.97 per cent of advances, 16.39 per cent of deposits,
4.18 per cent of interest income and 14.54 per cent of
interest expenses.
Managements Responsibility for the Financial Statements
2. The banks management is responsible for the prepara on
of these financial statements that give a true and fair
view of the financial posi on, financial performance and
cash flows of the Bank in accordance with the Banking
Regula on Act 1949, Reserve Bank of India guidelines
and recognized accoun ng policies and prac ces,
including Accoun ng Standards issued by Ins tute of
Chartered Accountants of India (ICAI), as applicable. This
responsibility of the management includes maintenance
of adequate accoun ng records in accordance with the
provisions of applicable laws for safeguarding the assets
of the Bank and for preven ng and detec ng frauds
and other irregulari es; the selec on of and applica on
of appropriate accoun ng policies; making judgments
and es mates that are prudent; and the design,
implementa on and maintenance of internal financial
controls, that were opera ng eec vely for ensuring
the accuracy and completeness of the accoun ng
records, and risk management systems relevant to the
prepara on and presenta on of the financial statements
that give a true and fair view and free from material
misstatement, whether due to fraud or error, which have
been used for the purpose of prepara on of Financial
Statements by the management of the Bank, as aforesaid.
119
 ar W | ux eZq qsrMl M xqr mokl l El AiUM
lrh M Mrui Mr W e ur uuUh M lqh
x xoki W ij mUxjir M AlMs mr lqi M
W exx oM M xp rMsm M sL AiUM lrh
mpu W |
sZ mUM M EUSriu :
3. WqU sZ mU M AkU mU Cl ur uuUh mU ucU
ur MUl WqU EUSriu W | Wql pUir xlS sZMU
xxjl U lai sZ mU qlM M AlxU sZ mU
Arei M | r qlM rW Am MUi W M Wq liM
AmA M Almsl MUi WL, relo iUM x sZ
mU Arei MU iM u uuUh M mUmr q xai
Axl mmi W xM M u uximUM AmMjl q W |
4. sZ mU q ur uuUh q Uzr AU mMOl M oU
q sZ mU xr mmi MUl M mrA M Amll
Wi W | cl aD mrL sZ mUM M lrr-lhr mU
lpU MUi W exq kZkQ M MUh W r O M ur
uuUh q uximUM AmMjl M ere sl M eZq
p UWi W | Cl eZq M ere sl q mUxjir M
AlMs sZ mU mrL AiUM lrh M krl q
UZi W | sZ mU q mr sZ lir M xqcii
mokl i U Mr ar sZ Alql M Acir M xj-
xj u uuUh M xqc mxiiMUh M qsrMl Mr
el p zqs Wi W |
5. sZ mU mU WqU ucU ur MUl M sL Wql e
xr LMi Mr W uW mrmi AU xqci W - rW WqU
ux W |
WqU ucU
6. WqU ucU q, oM oWr q SZL aL M AlxU AU WqU
elMU ij Wq Sr ar xmMUh M AlxU :-
(i) sZ lir AU El mU M aD Ommhr M xj mPi
isl - m xmh AU xai isl - m W exq xU
AuzrM uuUh xW iUM x irU ML aL W iM pUi
q xqlrir xuMr sZ-xi M AlxU rj 31 qc
2015 M oM M uruWU M xW AU Eci c Szr e
xM; ij
In making those risk assessments, the management has
implemented such internal controls that are relevant to
the prepara on of the financial statement and designed
procedures that are appropriate in the circumstances so
that the internal control with regard to all the ac vi es of
the Bank is eec ve.
Auditors Responsibility
3. Our responsibility is to express an opinion on these
financial statements based on our audit. We conducted
our audit in accordance with the Standards on Audi ng
issued by the Ins tute of Chartered Accountants of
India. Those standards require that we comply with
ethical requirements and plan and perform the audit to
obtain reasonable assurance about whether the financial
statements are free from material misstatement.
4. An audit involves performing procedures to obtain audit
evidence about the amounts and disclosures in the
financial statements. The procedures selected depend
on the auditors judgment, including the assessment
of the risks of material misstatement of the financial
statements, whether due to fraud or error. In making
those risk assessments, the auditor considers internal
control relevant to the Banks prepara on and fair
presenta on of the financial statements in order to
design audit procedures that are appropriate in the
circumstances, but not for the purpose of expressing an
opinion on eec veness of the en tys internal control.
An audit also includes evalua ng the appropriateness
of accoun ng policies used and the reasonableness of
the accoun ng es mates made by management, as well
as evalua ng the overall presenta on of the financial
statements.
5. We believe that the audit evidence we have obtained is
sucient and appropriate to provide a basis for our audit
opinion.
Opinion
6. In our opinion, as shown by the books of the Bank, and
to the best of our informa on and according to the
explana ons given to us:
I. the Balance sheet, read with the significant accoun ng
policies and the notes thereon is a full and fair Balance
Sheet containing all the necessary par culars, is properly
drawn up so as to exhibit a true and fair view of state of
aairs of the Bank as at 31st March, 2015 in conformity
with accoun ng principles generally accepted in India;
120
(ii) sZ lir AU El mU M aD Ommhr M xj mPi
sp - Wl sZ, ExM U muUi uw M sL pUi q
xqlrir xuMr sZ-xi M AlxU sp M xW
xisl Szi W |
II. the Profit and Loss Account, read with the significant
accoun ng policies and the notes thereon shows a true
balance of profit, in conformity with accoun ng principles
generally accepted in India, for the year covered by the
account; and

(iii) lMS muW uuUh Ex iUZ M xqmi uw M sL lMS
muW M xW AU Eci c Szi W |
krl Sl rar oi
7. Wq Alxc 18: q lqlsZi M xok q 'sZ mU lOx'
M AU krl AM MUi W:
i. lO 16, e pUir Ueu oM M m SlMi 27 el 2014
U Alqi M AlxU, Uexu AUi lk x LMoUa
Emr M iU mU miri: mNs Auk LTADOLs M sZ
mU uuk SriL (ore meMUh) eq MUi xqr uuUh
mSl MUi W |
ii. lO 6.17 (L), (o) e pUir Ueu oM M mUm SlMi 9
TUuU 2011 U Alqi M AlxU mzl u EmSl SriA
M mUzkl M xok q uw M SUl mWcl u xqrel M
uuUh mSl MUi W |
iii. lO 6.20, e pUir Ueu oM M m SlMi 15 qD 2015
U Alqi M AlxU Mimr aU-lwmSl us Aaq M
sL 801.07 MUQ M pMsM mukl M uuUh mSl
MUi W |
E qqs M xok q WqU Ur rar lW W |
Alr ukM u ulrqM AuzrMiA mU UmO :
8. isl m AU sp-Wl sZ qz oMa ulrq Aklrq,
1949 M ixU Alxc M mm 'M' u 'Z' q irU Mr
ar W |
9. EmU mU 1 x 5 q xci sZ ec M xqA M
Akl ij oMa Mmlr (Emq M AiUh AkaWh)
Aklrq 1970/1980 ij Elq lWi mMOl M xqA
M AuzrMi M AlxU Wq lqlui UmO MUi W:
M) Wql Aml xuq elMU u ux q WqU sZ ec
M Ezr x AuzrM xp xclL u urZrL mmi M W
ij ElW xiwelM mr W |
III. the Cash Flow Statement gives a true and fair view of the
cash flows for the year ended on that date.
Emphasis of Matter
7. We draw a en on to the Schedule 18: Notes to
Accounts regarding:
I. Note 6.19 to the financial statement, which provide
details of credi ng Sundry Liability(Interest Capitalisa on)
on account of past period FITL directly from the Revenue
Reserve as a one me measure, as permi ed by Reserve
Bank of India vide their le er dated June 27, 2014.
II. Note 6.17 (a) and (b) to the financial statements, which
provide details of iden fica on and adjustment during
the year regarding amor za on of pension and gratuity
liability as permi ed by Reserve Bank of India vide their
circular dated February 9, 2011.
III. Note 6.20 to the financial statements, which provide
details of staggering of provision of Rs.801.07 crores
for certain non-performing advances as permi ed
by Reserve Bank of India vide their le er dated
May 15, 2015.
Our opinion is not qualified in respect of the above stated
ma ers.
Report on Other Legal and Regulatory Requirements
8. The Balance Sheet and the Profit and Loss Account have
been drawn up in Forms A and B respec vely of the
Third Schedule to the Banking Regula on Act, 1949.
9. Subject to the limita ons of the audit indicated in
paragraph 1 to 5 above and as required by the Banking
Companies (Acquisi on and Transfer of Undertakings)
Act, 1970/1980 and a subject also to the limita ons of
disclosure required therein, we report that;
a) We have obtained all the informa on and explana ons
which to the best of our knowledge and belief, were
necessary for the purposes of our audit and have found
them to be sa sfactory;

Z) oM M slSl, e WqU xcl q W, oM M zr M
piU W |
a) WqU oM M Mrsr u zZA x mmi uuUhr WqU
sZ ec M Ezr x mrmi mD aD W |
b) The transac ons of the Bank, which have come to our
no ce have been within the powers of the Bank;
c) The returns received from the oces and branches of
the Bank have been found adequate for the purposes of
our audit;

121
10) WqU ucU x isl - m, sp - Wl Zi u lMS muW 10) In our opinion, the Balance Sheet, Profit and Loss Account
sa sZMl qlM M Almsl q W | and Cash Flow Statement comply with the applicable
accoun ng Standards.

Mi m cmQ LhQ Mi L AU Sx LhQ Mi Lx x uxSu For P. Chopra & Co. For A.R. Das & Associates For S. C. Vasudeva & Co.
Mml LxxLOx LhQ Mml Chartered Accountants Chartered Accountants Chartered Accountants
xlS sZMU xlS sZMU xlS sZMU FRN : 004957N FRN : 306109E FRN : 000235N
Tq meMUh xZr : Tq meMUh xZr : Tq meMUh xZr :
004957Ll 306109D 000235Ll

(UMz el) zrqs MqU lrM (Azw Aaus) (Rakesh Jain) (Syamal Kumar Nayak) (Ashish Agarwal)
xfSU xfSU xfSU Partner Partner Partner
xSxri xZr : xSxri xZr : xSxri xZr : Membership No. Membership Membership
087925 051353 093790 087925 No.051353 No.093790

For Vinay Kumar & Co. For Ram Raj & Co. For V K Niranjan & Co.
Mi ulr MqU LhQ M Mi Uq Ue LQ M Mi u M lUel
Chartered Accountants Chartered Accountants Chartered Accountants
xlS sZMU xlS sZMU LQ M
FRN : 000719C FRN : 002839S FRN : 002468S
Tq meMUh xZr : Tq meMUh xZr : xlS sZMU
000719x 002839Lx Tq meMUh xZr :
002468Lx

(Vinay Kumar Agrawal) (K Siva Subramanya Prasad) (Niranjan V K)

(ulr MqU Aaus) (M xu xoqhr mxS) (lUel u M)
Partner Partner Partner
xfSU xfSU xfSU
Membership Membership Membership
xSxri xZr : xSxri xZr : xSxri xZr :
No.013795 No.024456 No.021432
013795 024456 021432

xjl : oas Place: Bengaluru

SlM: 25 qD 2015 Date: 25th May, 2015

122
 rj 31 qc, 2015 M isl m
BALANCE SHEET AS AT 31ST MARCH 2015
Alxc rj 31.03.2015 M rj 31.03.2014 M
Schedule As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
me AU SriL / CAPITAL AND LIABILITIES
me / CAPITAL 1 475 19 70 461 25 88
AUi lkr AU Akzw / RESERVES AND SURPLUS 2 31384 03 55 29158 85 44
eq / DEPOSITS 3 473840 10 31 420722 81 82
EkU / BORROWINGS 4 25671 56 75 27230 63 66
Alr SriL ij mukl / OTHER LIABILITIES AND PROVISIONS 5 16629 66 17 14348 28 63

eQ / TOTAL 548000 56 48 491921 85 43

Axir / ASSETS
pUir Ueu oM q lMS AU zw
CASH & BALANCES WITH RESERVE BANK OF INDIA 6 21971 95 41 22153 78 08
oM q zw AU qa u Asm xcl mU miSr Uz
BALANCES WITH BANKS AND MONEY AT CALL
AND SHORT NOTICE 7 26669 14 03 22674 92 99
luz / INVESTMENTS 8 145346 18 40 126828 25 50
Aaq / ADVANCES 9 330035 51 45 301067 47 88
xjU Axir / FIXED ASSETS 10 6949 44 73 6641 56 23
Alr Axir / OTHER ASSETS 11 17028 32 46 12555 84 75

eQ / TOTAL 548000 56 48 491921 85 43

AMxqM SriL / CONTINGENT LIABILITIES 12 275355 21 88 223051 44 98

uxs M sL os / BILLS FOR COLLECTION 21903 47 31 16268 91 63
sZMl lir / ACCOUNTING POLICIES 17
sZ xok Ommhr / NOTES ON ACCOUNTS 18

Lq xuqljl u xMqU Ll xuzMUl Ll xsuUel WUSz MqU o

qQs mokM qQs mokM Em qW mokM qW mokM MrmsM lSzM
mql xW Uui Eq zMU e u qhqUl xls WYqcS McO qcUs xDUq pxMU
MrmsM lSzM (mok lSzM u qZr lSzM lSzM lSzM lSzM
MrMU AkMU - AiU mpU)
UelSU MqU ars xer el
lSzM lSzM

xqxZrM ij M WqU UmO M AlxU

Mi Mi Mi Mi Mi Mi
m cmQ LhQ M. L AU Sx LhQ LxxLOx Lx x uxSu LhQ M. ulr MqU LhQ M Uq Ue LhQ M u M lUel LhQ M
xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU

UMz el zrqs MqU lrM Azz Aaus ulr MqU Aaus M zu xoqhr mxS lUel u M
xfSU xfSU xfSU xfSU xfSU xfSU
oas
25 qD, 2015

123
 rj 31 qc, 2015 M xqmi uw M sp u Wl Zi
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2015
Alxc rj 31.03.2015 M rj 31.03.2014 M
Schedule xqmi uw xqmi uw
For the Year ended For the Year ended
31.03.2015 31.03.2014
(` 000) (` 000)
I. Ar / I. INCOME
Aei ore / INTEREST EARNED 13 43750 04 26 39547 61 18
Alr Ar / OTHER INCOME 14 4550 25 03 3932 75 62
eQ / TOTAL 48300 29 29 43480 36 80

II. urr / II. EXPENDITURE

urr Mr ar ore / INTEREST EXPENDED 15 34086 37 44 30603 16 54
mUcsl urr / OPERATING EXPENSES 16 7263 55 13 6081 01 03
mukl AU AMxqM urr /
PROVISIONS AND CONTINGENCIES 4247 74 30 4357 99 77
eQ / TOTAL 45597 66 87 41042 17 34
III. uw M lus sp / III. NET PROFIT FOR THE YEAR 2702 62 42 2438 19 46

IV. ulrel / APPROPRIATIONS

lqlMi M AiUh / TRANSFERS TO
xukM AUi lkr / STATUTORY RESERVES 680 00 00 650 00 00
me AUi lkr / CAPITAL RESERVES 122 40 00 87 50 00
luz AUi lk Zi / INVESTMENT RESERVE ACCOUNT 360 80 00 -
Uexu AUi lk / REVENUE RESERVE 387 69 62 1107 07 99
uzw AUi lkr / SPECIAL RESERVE 500 00 00 -
AiUq spz / INTERIM DIVIDEND - 299 81 95
mxiui spz / PROPOSED DIVIDEND 540 96 68 207 56 52
spz MU / DIVIDEND TAX 110 76 12 86 23 00
eQ / TOTAL 2702 62 42 2438 19 46
sZMl lir / ACCOUNTING POLICIES 17
sZ xok Ommhr / NOTES ON ACCOUNTS 18
mi zrU Ael (qs u ilMi) / EARNINGS PER SHARE
(BASIC AND DILUTED) (` q / in `) 58.59 54. 48

M SWAMINATHAN V SUKUMAR N SIVASANKARAN N SELVARAJAN HARIDEESH KUMAR B

DIVISIONAL MANAGER DIVISIONAL MANAGER DEPUTY GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR
P S RAWAT UMA SHANKAR G V MANIMARAN SUNIL HUKUMCHAND MOCHERLA SAIRAM
EXECUTIVE DIRECTOR DIRECTOR DIRECTOR KOCHETA BHASKAR
(ADDITIONAL CHARGE OF MD & CEO) DIRECTOR DIRECTOR

RAJINDER KUMAR GOEL SANJAY JAIN

DIRECTOR DIRECTOR

AS PER OUR REPORT OF EVEN DATE

For For For For For For
P CHOPRA & Co. A R DAS & ASSOCIATES S C VASUDEVA & Co. VINAY KUMAR & Co. RAM RAJ & Co. V K NIRANJAN & Co.
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants

RAKESH JAIN SYAMAL KUMAR NAYAK ASHISH AGARWAL VINAY KUMAR K SIVA SUBRAMANYA NIRANJAN V K
Partner Partner Partner AGRAWAL PRASAD Partner
Partner Partner
Bengaluru
MAY 25,2015

124
 rj 31 qc, 2015 M isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 1 - me / SCHEDULE 1 - CAPITAL
I. mkMi me / AUTHORISED CAPITAL 3000 00 00 3000 00 00
(mi zrU `10/ M 300,00,00,000 DYuO zrU /
(300,00,00,000 EQUITY SHARES OF `10/- EACH)
II. laqi, ApS AU mS / ISSUED, SUBSCRIBED AND PAID UP:
i) MS xUMU U kUi mi zrU `10/- M 33,21,96,971 DYuO zrU |
mNs uw `10/- M 31,82,58,837 DYuO zrU
i) 33,21,96,971 EQUITY SHARES OF RS.10/- EACH PREVIOUS YEAR 31,82,58,837
EQUITY SHARE OF `10/- EACH HELD BY CENTRAL GOVERNMENT 332 19 70 318 25 88
ii) Alr U kUi mi zrU `10/- M 14,30,00,000 DYuO zrU
ii) 14,30,00,000 EQUITY SHARES OF `10/- EACH HELD BY OTHERS 143 00 00 143 00 00
475 19 70 461 25 88
Alxc 2 - AUi lkr ij Akzw / SCHEDULE 2 - RESERVES AND SURPLUS
I. xukM AUi lkr / STATUTORY RESERVE
(oMa ulrq 1949 M kU 17 M AlxU AUi lk)
(RESERVE FUND IN TERMS OF SECTION 17 OF THE BANKING
REGULATION ACT, 1949)
Ajzw / OPENING BALANCE 7303 00 00 6653 00 00
uw M SUl mUukl / ADDITIONS DURING THE YEAR 680 00 00 650 00 00
eQ / TOTAL 7983 00 00 7303 00 00

II. me AUi lkr / CAPITAL RESERVE

M. mlqsrMl AUi lkr / a. REVALUATION RESERVE
Ajzw / OPENING BALANCE 5498 25 33 2033 24 03
eQ: uw M SUl mlqsrMl / ADD : REVALUATION DURING THE YEAR - 3569 47 57
5498 25 33 5602 71 60
bOr: sp u Wl Zi M AiUh / xqrel
LESS : ADJUSTMENTS / TRANSFER TO PROFIT AND LOSS ACCOUNT 92 40 25 104 46 27
eQ / TOTAL 5405 85 08 5498 25 33

Z. uSz qS mUuil AUi lkr / b. FOREIGN CURRENCY

TRANSLATION RESERVE
Ajzw / OPENING BALANCE 221 67 98 99 29 84
eQ: uw M SUl mUukl / ADDITIONS DURING THE YEAR - 122 38 14
bOr: uw M SUl MOir / LESS: DEDUCTIONS DURING THE YEAR 25 05 95
eQ / TOTAL 196 62 03 221 67 98

a. Alr / c. OTHERS
Ajzw / OPENING BALANCE 1356 27 07 1268 77 07
eQ: uw M SUl mUukl / ADDITIONS DURING THE YEAR 122 40 00 87 50 00
eQ / TOTAL 1478 67 07 1356 27 07

125
 rj 31 qc, 2015 M isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
III zrU mqrq / SHARE PREMIUM :
Ajzw / OPENING BALANCE 2716 94 12 2235 20 00
uw M SUl mmi / RECEIVED DURING THE YEAR 556 06 19 481 74 12
eQ / TOTAL 3273 00 31 2716 94 12

IV Uexu AU Alr AUi lkr / REVENUE AND OTHER RESERVES

M Uexu AUi lkr / a. REVENUE RESERVE
Ajzw / OPENING BALANCE 8357 70 94 8440 27 95
uw M SUl mUukl / ADDITIONS DURING THE YEAR 387 69 62 1107 07 99
uzw AUi lkr x AiUi / TRANSFERRED FROM SPECIAL RESERVE
8745 40 56 9547 35 94
bOr: uw M SUl MOir / LESS: DEDUCTIONS DURING THE YEAR 264 31 50 1189 65 00
eQ / TOTAL 8481 09 06 8357 70 94

Z uzw AUi lkr / b. SPECIAL RESERVE

{ArMU Aklrq 1961 M kU 36 (1) (VIII) M AlxU}
{IN TERMS OF SECTION 36 (1)(VIII) OF THE INCOME TAX ACT, 1961}

Ajzw / OPENING BALANCE 3500 00 00 3500 00 00

uw M SUl mUukl/ ADDITIONS DURING THE YEAR 500 00 00 -
eQ / TOTAL 4000 00 00 3500 00 00

a luz AUi lk Zi / c. INVESTMENT RESERVE ACCOUNT

Ajzw / OPENING BALANCE 205 00 00 205 00 00
uw M SUl mUukl / ADDITIONS DURING THE YEAR 360 80 00 -
565 80 00 205 00 00
bOr: uw M SUl MOir / LESS: DEDUCTIONS DURING THE YEAR - -
eQ / TOTAL 565 80 00 205 00 00

b sp u Wl Zi q zw / d. BALANCE IN PROFIT & LOSS ACCOUNT - -

eQ / TOTAL 31384 03 55 29158 85 44

126
 rj 31 qc, 2015 M isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 3 - eq / SCHEDULE 3 - DEPOSITS
M. I. qa eq / A.I. DEMAND DEPOSITS
M

i. oM x / FROM BANKS 1042 08 10 888 36 61

ii. Alr x / FROM OTHERS 18803 83 00 16855 42 27
eQ / Total 19845 91 10 17743 78 88

II. oci oM eq / SAVINGS BANK DEPOSITS 93686 33 32 85535 60 57

eQ / Total 93686 33 32 85535 60 57

III. xuk eq / TERM DEPOSITS

i. oM x / FROM BANKS 28153 78 66 19060 88 04
ii. Alr x / FROM OTHERS 332154 07 23 298382 54 33
eQ / Total 360307 85 89 317443 42 37
eQ / Total 473840 10 31 420722 81 82

B. zZA M eq / DEPOSITS OF BRANCHES

i. pUi q / IN INDIA 444702 00 45 398852 91 65
ii. pUi M oWU / OUTSIDE INDIA 29138 09 86 21869 90 17
eQ / Total 473840 10 31 420722 81 82

Alxc 4 - EkU / SCHEDULE 4 - BORROWINGS

I. pUi q EkU / BORROWINGS IN INDIA
i. pUir Ueu oM / i. RESERVE BANK OF INDIA - -
ii. Alr oM / ii. OTHER BANKS 131 25 00 -
iii. Alr xxjL ij Lexr / iii. OTHER INSTITUTIONS AND AGENCIES 1915 69 68 5128 71 54
iv. Amipi miSr oQ / iv. UNSECURED REDEEMABLE BONDS
(ADmQAD AU ah Gh) / (IPDI AND SUB-ORDINATED DEBT) 10514 60 00 9778 10 00
eQ / Total 12561 54 68 14906 81 54

II. pUi M oWU EkU / BORROWINGS OUTSIDE INDIA

i. Alr oM / i. OTHER BANKS 11547 49 96 10825 93 82
ii. Amipi miSr oQ / ii. UNSECURED REDEEMABLE BONDS
(ah Gh) (SUB-ORDINATED DEBT) 1562 52 11 1497 88 30
eQ / Total 13110 02 07 12323 82 12
eQ / Total 25671 56 75 27230 63 66

127
 rj 31 qc, 2015 M isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 5 - Alr SriL AU mukl / SCHEDULE 5 - OTHER LIABILITIES & PROVISIONS
I. Sr os / I. BILLS PAYABLE 1020 71 10 1174 10 14
II. AiU Mrsr xqrel (lus) / II. INTER OFFICE ADJUSTMENT (NET) 306 21 01 218 47 77
III. Emci ore / III. INTEREST ACCRUED 1711 54 72 1471 13 36
IV. Axjai MU SriL / IV. DEFERRED TAX LIABILITY 1406 83 00 1760 50 00
V. Alr (mukl xWi) / V. OTHERS (INCLUDING PROVISIONS) 12184 36 34 9724 07 36
eQ / TOTAL 16629 66 17 14348 28 63

Alxc 6 - pUir Ueu oM q lMS AU zw /

SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA
I. UMQ zw / I. CASH IN HAND 1850 63 10 1140 51 29
(uSz qS lO xWi) / (INCLUDING FOREIGN CURRENCY NOTES)
II pUir Ueu oM q zw / BALANCES WITH RESERVE BANK OF INDIA
cs Zi q / IN CURRENT ACCOUNT 20121 32 31 21013 26 79
Alr Zi q / IN OTHER ACCOUNTS - -
eQ / TOTAL 20121 32 31 21013 26 79
eQ / TOTAL 21971 95 41 22153 78 08

Alxc 7 - oM q zw ij qa u Asm xcl mU miSr Uz/

SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT
NOTICE
I. pUi q / I. IN INDIA
i. oM q zw / i. BALANCE WITH BANKS
M . cs Zi q / a. IN CURRENT ACCOUNTS 38 02 99 163 07 73
Z. Alr eq Zi q / b. IN OTHER DEPOSIT ACCOUNTS - -
eQ / TOTAL 38 02 99 163 07 73

ii. qa u Asm xcl mU miSr Uz / ii. MONEY AT CALL AND SHORT NOTICE
M. oM q / a. WITH BANKS - -
Z. Alr xxjA q / b. WITH OTHER INSTITUTIONS - -
eQ / TOTAL - -
eQ / TOTAL 38 02 99 163 07 73

II. pUi x oWU / II. OUTSIDE INDIA

i. cs Zi q / i. IN CURRENT ACCOUNTS 4518 27 69 5406 24 25
ii. Alr eq Zi q / ii. IN OTHER DEPOSIT ACCOUNTS 21592 29 23 15104 44 91
iii. qa u Asm xcl mU miSr Uz / iii. MONEY AT CALL AND SHORT NOTICE 520 54 12 2001 16 10
eQ / TOTAL 26631 11 04 22511 85 26
eQ / TOTAL 26669 14 03 22674 92 99

128
 rj 31 qc, 2015 M isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 8 - luz / SCHEDULE 8 - INVESTMENTS
I. pUi q luz: xMs
I. INVESTMENTS IN INDIA: GROSS 144518 69 04 126779 65 35
bOr: qsrx u Ll m AD M sL mukl
LESS: PROVISION FOR DEPRECIATION AND NPI 109 06 10 805 85 71
pUi q lus luz / NET INVESTMENT IN INDIA 144409 62 94 125973 79 64
i. xUMU mipir /
i. GOVERNMENT SECURITIES 125529 28 48 107592 82 59
ii. Alr AlqSi mipir /
ii. OTHER APPROVED SECURITIES 1 49 87 1 49 87
iii zrU /
iii SHARES 1722 35 66 1549 14 09
iv. QocU AU ohQ /
iv. DEBENTURES AND BONDS 7278 65 77 8407 94 82
v. Alwar AU/r xr Eq /
v. SUBSIDIARIES AND/OR JOINT VENTURES 796 06 80 665 99 72
vi. Alr /
vi. OTHERS 9081 76 36 7756 38 55
eQ / Total 144409 62 94 125973 79 64
mUmYui M sL kUi / HELD TO MATURITY 103118 72 50 85242 12 28
o M sL Emsok / AVAILABLE FOR SALE 40343 46 21 40574 80 13
urmU M sL kUi / HELD FOR TRADING 947 44 23 156 87 23
eQ / Total 144409 62 94 125973 79 64
II. pUi M oWU luz- xMs /
INVESTMENTS OUTSIDE INDIA - GROSS 936 55 46 896 51 68
bOr: qsrx u Ll m AD MsL mukl /
LESS: PROVISION FOR DEPRECIATION - 42 05 82
pUi M oWU lus luz /
NET INVESTMENTS OUTSIDE INDIA 936 55 46 854 45 86
i. xUMU mipir / GOVERNMENT SECURITIES
(xjlr mkMUh xWi) /
INCLUDING LOCAL AUTHORITIES) -- --
ii. Alwar AU/ r xr Eq /
SUBSIDIARIES AND/OR JOINT VENTURES 73 22 11 73 22 11
iii. Alr luz / OTHER INVESTMENTS 863 33 35 781 23 75
eQ / Total 936 55 46 854 45 86
mUmYui M sL kUi / HELD TO MATURITY 98 75 46 77 79 34
o M sL Emsok / AVAILABLE FOR SALE 837 80 00 776 66 52
urmU M sL kUi / HELD FOR TRADING -- --
eQ / Total 936 55 46 854 45 86
eQ / Total 145346 18 40 126828 25 50

129
 rj 31 qc, 2015 M isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 9 - Aaq / SCHEDULE 9 - ADVANCES
M. i.
M ZUS ar ij o mU plL ar os /
A. i. BILLS PURCHASED & DISCOUNTED 10644 88 62 10172 54 20
ii. UMQ EkU, AuU QnO AU qa mU Gh M cMi /
ii. CASH CREDITS, OVERDRAFTS AND LOANS REPAYABLE ON DEMAND 130964 98 18 117083 79 43
iii. qrS Gh / iii. TERM LOANS 188425 64 65 173811 14 25
eQ / Total 330035 51 45 301067 47 88

Z. i. qi Axir U mipi / B. i. SECURED BY TANGIBLE ASSETS

(oW Gh xWi / INCLUDING BOOK DEBTS) 263935 17 80 242130 83 43
ii. oM/ xUMU aUOr U muUi /
ii. COVERED BY BANK / GOVT. GUARANTEES 9364 08 69 9933 90 69
iii. Amipi / iii. UNSECURED 56736 24 96 49002 73 76
eQ / Total 330035 51 45 301067 47 88

a. I.
a pUi q Aaq / C. I. ADVANCES IN INDIA
i. mjqMi / i. PRIORITY SECTOR 106928 90 32 96652 16 40
ii. xuelM / ii. PUBLIC SECTOR 31624 64 14 31777 93 93
iii. oM / iii. BANKS 2 49 69 37 75 12
iv. Alr / iv. OTHERS 168786 72 14 153375 62 85
eQ / Total 307342 76 29 281843 48 30

II. pUi x oWU Aaq / II. ADVANCES OUTSIDE INDIA

oM M Asu Alr x oMr)
(o oMr (DUE FROM OTHER THAN BANKS)
i. ZUS ar ij o mU plL ar os /
i. BILLS PURCHASED AND DISCOUNTED 3435 05 61 1507 34 83
ii. qrS / xqWl Gh
ii. TERM / SYNDICATED LOANS 9354 61 82 8444 87 26
iii. Alr / OTHERS 9903 07 73 9271 77 49
eQ / Total 22692 75 16 19223 99 58
eQ / Total 330035 51 45 301067 47 88

130
 rj 31 qc, 2015 M isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 10
10-- Acs Axir / SCHEDULE 10 - FIXED ASSETS
I. mUxU / I. PREMISES
sai mU / mNs isl m M AlxU qsrMl /
AT COST / VALUATION AS PER LAST
BALANCE SHEET 6591 34 99 2919 01 71
uw M SUl mUukl / ADDITIONS DURING THE YEAR 58 29 78 104 68 51
6649 64 77 3023 70 22
uw M SUl mlqsrMl /
REVALUATIONS MADE DURING THE YEAR - 3569 47 57
6649 64 77 6593 17 79
uw M SUl MOir / DEDUCTIONS DURING THE YEAR 66 93 1 82 80
6648 97 84 6591 34 99
Ail qsrx / DEPRECIATION TO DATE 697 97 11 594 69 99
5951 00 73 5996 65 00
II. Alr Acs Axir / II. OTHER FIXED ASSETS
(TlcU AU eQlU xWi /
INCLUDING FURNITURE & FIXTURES)
mNs islm M AlxU sai mU /
AT COST AS PER LAST BALANCE SHEET 2385 81 67 1996 36 77
uw M SUl mUukl /
ADDITIONS DURING THE YEAR 779 98 38 442 46 81
3165 80 05 2438 83 58
uw M SUl MOir / DEDUCTIONS DURING THE YEAR 92 34 78 53 01 91
3073 45 27 2385 81 67
Ail qsrx / DEPRECIATION TO DATE 2077 20 27 1743 09 44
996 25 00 642 72 23
III. mai Axir / III. LEASED ASSETS
mNs islm M AlxU sai mU /
AT COST AS PER LAST BALANCE SHEET 75 26 84 81 14 04
uw M SUl mUukl / ADDITIONS DURING THE YEAR - -
75 26 84 81 14 04
uw M SUl MOir / DEDUCTIONS DURING THE YEAR - 5 87 20
75 26 84 75 26 84
Ail qsrx / DEPRECIATION TO DATE 70 57 07 69 76 11
4 69 77 5 50 73
bOL: mSU Aiq xqrel sZ
LESS: LEASE TERMINAL ADJUSTMENT ACCOUNT 2 50 77 3 31 73
2 19 00 2 19 00
eQ (I, II AU III) / Total (I, II and III) 6949 44 73 6641 56 23

131
 rj 31 qc, 2015 M isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 11 - Alr Axir / SCHEDULE 11 - OTHER ASSETS
I. Emci ore / I. INTEREST ACCRUED 4450 75 55 4153 25 62
II. Aaq m q mS MU/ xi mU MU MOi (lus)/
II. TAX PAID IN ADVANCE/TAX DEDUCTED AT
SOURCE (NET) 6071 04 67 4038 94 36
III. sZl xqa u xOqm / III. STATIONERY AND STAMPS 11 58 88 11 68 35
IV. Su M xi q mmi M aD aU oMa Axir
IV. NON BANKING ASSETS ACQUIRED IN
SATISFACTION OF CLAIMS 32 13 33 09
V. Alr / V. OTHERS 6494 61 23 4351 63 33
eQ / TOTAL 17028 32 46 12555 84 75
Alxc 12 - AMxqM SriL /
SCHEDULE 12 - CONTINGENT LIABILITIES
I. oM M u Su elW Gh M m q xuMU lW Mr
ar W / I. CLAIMS AGAINST THE BANK NOT
ACKNOWLEDGED AS DEBTS 8744 39 85 8015 15 49
II. Azi: mS luz Wi SriL / II. LIABILITY FOR
PARTLY PAID INVESTMENTS 36 00 25 36 00
III. oMr urS ulqr xuSA M MUh SriL /
III. LIABILITY ON ACCOUNT OF OUTSTANDING
FORWARD EXCHANGE CONTRACTS 207080 71 69 158715 01 00
IV. xbOM M AU x S aD aUOr /
IV. GUARANTEES GIVEN ON BEHALF OF CONSTITUENTS
M. pUi q / a. IN INDIA 39353 06 07 35822 84 52
Z. pUi x oWU / b. OUTSIDE INDIA 98 31 86 44 98 42
39451 37 93 35867 82 94
V. xuMir, mMl AU Alr okriL /
V. ACCEPTANCES, ENDORSEMENTS AND
OTHER OBLIGATIONS 18578 35 95 19813 70 43
VI. Alr qS elM sL oM xqi m x
EUSr W / VI. OTHER ITEMS FOR WHICH THE
BANK IS CONTINGENTLY LIABLE
M. ml: plL ar ulqr os /
a. BILLS OF EXCHANGE REDISCOUNTED - --
Z. Alr / b. OTHERS 1500 00 46 614 39 12
1500 00 46 614 39 12

eQ / TOTAL 275355 21 88 223051 44 98

132
 rj 31 qc, 2015 M sp u Wl Zi M Av oll us Alxcr
SCHEDULES FORMING PART OF THE PROFIT AND LOSS ACCOUNT
FOR THE YEAR ENDED 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 13 - Aei ore / SCHEDULE 13 - INTEREST EARNED
I. Aaq/os mU ore / MOi / I. INTEREST /
DISCOUNT ON ADVANCES / BILLS 32066 12 17 28457 32 65
II. luz mU Ar / II. INCOME ON INVESTMENTS 10923 75 29 10251 07 96
III. pUir Ueu oM q zwUz AU AiU oM lkr mU
ore / III. INTEREST ON BALANCES WITH RBI AND
OTHER INTER BANK FUNDS 759 79 04 730 81 88
IV. Alr / IV. OTHERS 37 76 108 38 69
eQ / TOTAL 43750 04 26 39547 61 18

Alxc 14 - Alr Ar / SCHEDULE 14 - OTHER INCOME

I. Mqzl, ulqr, AU Sss / I. COMMISSION,
EXCHANGE AND BROKERAGE 928 60 19 939 83 01
II. luv M ur mU sp/ II. PROFIT ON SALE OF
INVESTMENTS
sp / PROFIT 1160 78 96 681 51 88
bOL : Wl / LESS : LOSS 12 36 00 1148 42 96 17 81 76 663 70 12
III. luv M mlqsrMl mU sp / III. LOSS ON
REVALUATION OF INVESTMENTS
sp / PROFIT
bOL : Wl / LESS : LOSS 103 48 53 (103 48 53) 160 74 51 (160 74 51)
IV. pq/ pul AU Alr Axir M ur mU sp /
IV. PROFIT ON SALE OF LAND/BUILDINGS AND
OTHER ASSETS
sp / PROFIT 3 88 36 2 76 58
bOL : Wl / LESS : LOSS 2 52 35 1 36 01 1 66 48 1 10 10
V. ulqr sl-Sl mU sp /
V. PROFIT ON EXCHANGE TRANSACTIONS
sp / PROFIT 781 73 03 669 72 92
bOL : Wl / LESS : LOSS - 781 73 03 - 669 72 92
VI. uSz/ pUi q xjmi Alwar/MmlrAU r xr
Eq x spz AS U Aei Ar /
VI. INCOME EARNED BY WAY OF DIVIDEND ETC.
FROM SUBSIDIARIES/COMPANIES AND/OR
JOINT VENTURES ABROAD/IN INDIA 81 15 92 70 25 29
VII. uuk Ar / VII. MISCELLANEOUS INCOME 1712 45 45 1748 88 69
eQ / TOTAL 4550 25 03 3932 75 62

133
 rj 31 qc, 2015 M sp u Wl Zi M Av oll us Alxcr
SCHEDULES FORMING PART OF THE PROFIT AND LOSS ACCOUNT
FOR THE YEAR ENDED 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 15 - urr Mr ar ore
SCHEDULE 15 - INTEREST EXPENDED
I. eq mU ore / I. INTEREST ON DEPOSITS 32025 85 21 28657 80 32
II. pUir Ueu oM/ AiU oM EkU mU ore
II. INTEREST ON RESERVE BANK OF INDIA/ 1103 96 57 698 14 23
INTERBANK BORROWINGS
III. Alr (OrU I ij OrU II ohQ ore xWi) /
956 55 66 1247 21 99
OTHERS ( INCLUDING TIER I & TIER II BOND INTEREST)
eQ / TOTAL 34086 37 44 30603 16 54

Alxc 16 - mUcsl urr

SCHEDULE 16 - OPERATING EXPENSES
I. MqcUr M pail AU ElM sL mukl /
4274 25 70 3672 38 11
I. PAYMENTS TO AND PROVISIONS FOR EMPLOYEES
II. MUr, MU, Uzl / II. RENT, TAXES, LIGHTING 658 89 77 546 80 97
III. qSh u sZl xqa / III. PRINTING AND STATIONERY 51 41 98 41 72 81
IV. uml u mcU / IV. ADVERTISEMENT AND PUBLICITY 43 74 07 66 16 23
V. oM M xm mU qsrx (mlqsrMl AUi lkr x AiUh M oS M
lus) V. DEPRECIATION ON BANKS PROPERTY 427 06 18 228 46 57
(NET OF TRANSFER FROM REVALUATION RESERVE)
VI. lSzM M zsM, p AU urr / VI. DIRECTORS FEES, ALLOWANCES
1 38 95 1 43 64
AND EXPENSES
VII. sZ mUM M zsM AU urr (zZ sZ mUM xWi) /
VII. AUDITORS FEES AND EXPENSES (INCLUDES 51 45 83 47 13 92
FOR BRANCH AUDITORS)
VIII. uk mpU / VIII. LAW CHARGES 27 16 44 23 46 52
IX. QM, iU, OsTl AS /
52 50 44 46 04 39
IX. POSTAGE, TELEGRAMS, TELEPHONES ETC.
X. qUqqi AU AlUh / X. REPAIRS AND MAINTENANCE 199 01 17 181 16 74
XI. oq / XI. INSURANCE 391 27 02 299 80 89
XII. Alr urr / XII. OTHER EXPENDITURE 1085 37 58 926 40 24
eQ / TOTAL 7263 55 13 6081 01 03

134
 Alxc- 17
ur uuUh M irU MUl q AmlD aD qWiumh
sZMl lir
(M) irU M AkU:
[1](M)
LiWxM sai mUmU M Aiai sZA M irU Mr
ar W ij r Alrj xci M NQ MU xukM mukl
u uql mhsr M Alm W|
(Z) Alql M Emra:
xqMi ur uuUh M irU M sL mokl i M
Axir, SriA, urr, Ar ij AMxqM SriA
M mMOl M mpui MUlus Uz M xok q ur
uuUh M iUZ M Alql ij kUhA M oll
M AuzrMi W | mokl M qll W M r Alql u
kUhL Eci u uuMmh W | ijm, uxiuM mUhq
Alql x Asa W xMi W | sZMl Alql q Mx
xzkl M uiql ij puwr q qlri Sr eLa |
[2] uSz qS AiUh / uSz qS xmUuil
2.1 uSz qS qSM qS M MsmlM SU mU mUpM iU
mU ApsZi Mr ar W | uSz qS qSM qS M
pUir uSz qS urmU xb (TQD) U mMzi SU
mU ml: uhi Mr ar W | Cx mMU M qS M ml:
uhl x Eim Wlus ulqr AiU M qxM SU mU
sp-Wl Zi q qlri SMU ApsZi Mr ar W |
2.2 uSz zZ M xok q slSl Lu zw M Ap
uSz mUcsl M m q uaMi Mr ar W | Lx
sl-Sl ij zw Uz M oM U iqW AkU mU
xqMi Mr ar W |
mUxmr Lu SriA (Sl qSM u aU-qSM ij
AMxqM SriL) M AiUh pUir xlS sZMU
xxjl M sZMl qlM 11- "uSz ulqr SU
mU mUuil M mpu" M Alm Lu pUir Ueu oM
M lSz M AlxU, mirM iqW M Ai q TQD
U bwi Aiq WeU ulqr SU mU Mr ei
W | uSz zZA M Ar Lu urr qS M TQD
U mMzi iqW Axi xqml SU mU AiUi Mr
ei W |
mUhqxum Wlus ulqr sp / Wl M, uSz qS
AiUh mUi q eq / lq Mr eLa |
SCHEDULE 17
SIGNIFICANT ACCOUNTING POLICIES ADOPTED
IN PREPARING FINANCIAL STATEMENTS
[1](a) Basis of Preparation:
The accounts are prepared under the historical
cost convention and conform to the statutory
provisions and prevailing practices, except as
otherwise stated.
(b) Use of Estimates:
The preparation of nancial statements requires
the management to make estimates and
assumptions that affect the reported amount of
assets, liabilities, expenses, income and disclosure
of contingent liabilities as at the date of the
nancial statements. Management believes that
these estimates and assumptions are reasonable
and prudent. However, actual results could differ
from estimates. Any revision to accounting
estimates is recognized in current and future
periods.
[2] Foreign Currency Translation / Conversion of
Foreign Currencies
2.1 Foreign currency monetary items are initially
recorded at a notional rate. Foreign currency
monetary items are restated at the rate published
by Foreign Exchange Dealers Association of India
(FEDAI) at the end of each quarter. Exchange
difference arising on restatement of such items at
the quarterly rates is recognised in Prot and Loss
Account.
2.2 Transactions and balances of foreign branches are
classied as non-integral foreign operations. Such
transactions and balances are consolidated by the
bank on a quarterly basis.
Assets and Liabilities (both monetary and non-
monetary as well as contingent liabilities) are
translated at the closing spot rate of exchange
announced by Foreign Exchange Dealers
Association of India (FEDAI) as at the end of each
quarter. Income and Expenditure items of the
foreign branches are translated at the quarterly
average rate published by FEDAI in accordance
with Accounting Standard (AS) 11- The effect
of Changes in Foreign Exchange rates issued by
the Institute of Chartered Accountants of India
(ICAI) and as per the guidelines of Reserve Bank
of India (RBI) regarding the compliance of the said
standard.
The resultant exchange gain/loss is credited /
debited to Foreign Currency Translation Reserve.
135
2.3 urS ulq
ulqr
r xuSL:
xp urS ulqr xuSA M mUp q Eim Wlus
mqrq r QxMEO M urr r xuS mU Wlus Ar
M m q mUzki Mr ar W | urS ulqr xuSA
M AmUzki mqrq r QxMEO xWi AxqrM
UMUh mU Wlus sp / Wl, rS W i, xqmi iUZ
mU qlri S aD | urS xuSA mU ulqr AiU M
UmOa Auk, eW ulqr SU mUuii WL W, mU sp
u Wl Zi q qlri S aD |
2.4 oMr urS ulqr xuSA, aUOr, xuMir,
mMl ij Alr okriA M xok q AMxqM
SriA M mUMsl TQD U mMzi Aiq SU M
AlxU isl m q Mr ar W|
[3] luz
3.1 luz M xuaMUh pUir Ueu oM M SzlSz M
AlxU Mr ar W | oM M xmh luz xupa il
xua q upei Mr ar W, ex 'mUmYui M sL
kUi', 'o M sL kUi' AU 'urmU M sL kUi' |
Cx iUW M uaMUh mipir M ApaWh M xqr mU
lkUi Mr ar W |
luz M N: xua q mMO Mr ei W ex (M)
xUMU mipir (Z) Alr AlqSi mipir (a) zrU
(b) QocU AU oQ (X) Alwar ij xr Eq AU
(c) Alr
3.2 luz M AkaWh sai M lkUi MUl M sL:
M) mipir M ZUS M xqr Elx xoki Sss,
Mqzl AS ex sai M sp u Wl Zi M
mpUi Mr ei W |
Z) AkaWh / lmOl iUZ iM Gh sZi mU ZQi
Auk ore M Uexu M m q ql ei W |
3.3 luz M qsrMl pUir Ueu oM U eU ML aL
SzlSz M AlxU Mr ei W e lqlui W :
M) mUmYui M sL kUi
Auk xqmi Wi kUi xua M Aiai luz mU
ApaWh sai, lus mizkl, AaU MD W i ExM
AkU mU Mr el W | AMi qsr x rS MD AkM
ApaWh sai W i Ex zw Auk q mUzki Mr
ei W |
2.3 Forward Exchange Contracts
Premium or discount arising at the inception of
all forward exchange contracts are amortized as
expense or income over the life of the contract.
Prot/ Losses arising on cancellation of forward
exchange contracts, together with unamortized
premium or discount, if any, is recognized on
the date of termination. Exchange differences
on such contracts are recognized in the Prot &
Loss account in the reporting period in which the
exchange rates change.
2.4 Contingent liability in respect of outstanding
forward exchange contracts, guarantees,
acceptances, endorsements and other obligations
are stated in the balance sheet at the closing rates
published by FEDAI.
[3] Investments
3.1. Classication of investments is made as per
the guidelines of the RBI. The entire investment
portfolio of the bank is classied under three
categories viz. Held to Maturity (HTM), Available
for Sale (AFS) and Held for Trading (HFT). Such
classication is decided at the time of acquisition
of securities.
Investments are disclosed in the Balance Sheet
under six classications viz: (a) Government
securities (b) Other approved securities (c) Shares
(d) Debentures & Bonds (e) Subsidiaries and Joint
Ventures & Associates and (f) Others.
3.2. In determining the acquisition cost of investment:
(a) Cost such as brokerage, commission etc.,
relating to securities at the time of purchase
are charged to Prot & Loss Account.
(b) Broken period interest on debt instruments up
to the date of acquisition / disposal is treated
as revenue.
3.3 The valuation of Investments is done in accordance
with the guidelines issued by the RBI as under:
a) HELD TO MATURITY
Investments under Held to Maturity category are
carried at acquisition cost, net of amortisation, if
any. The excess of acquisition cost, if any, over the
face value is amortized over the remaining period
of maturity.
136
 Alwar AU xr Eq q luz M UZu sai mU
qsrMi Mr ei W | qsr q MD p xjr x W
i ExM mhi: mukl Mr ei W |
r aqh oM AU Alr lrx zrU q luz M
sai qsr mU UZ ei W |
ucU me lkr (uxLT) q SlM 23.08.2006 M
oS M aD luz M il uw M AUpM Auk M sL
LcOLq h M iWi uaMi Mr ei W ij sai mU
qsr lkUh Mr ei W |
Z) o M sL Emsok
Cx xua M iWi uaMi mirM mipi qxM AkU
mU oeU M sL AMi W ij pUir Ueu oM M
SzlSz M AlxU mirM iqW M Aiq iUZ
(isl m iUZ) M Emsok oeU SU mU e xOM
LYxce mU urmU / MO, pUir lri Ar qS oeU
AU urim xb (LTADLqLqQL) U bwi qsr /
Ar M AkU mU qsrMi Mr ei W |
mirM h / uaMUh M iWi mirM ua M xok q
lus qsrx Emsok Mr ei W AU lus qsru
lMU ei W | mirM mipir M qsrMl oeU M
sL AMi ML el mU Ex mipi M oW qsr q MD
mUuil lW Wi W |
il uw M Auk M mi ucU me lkr (uxLT)
q AiUi LcOLq h M CMCr M ucU me lkr
M sZmUi ur uuUh M AlxU lus Axi
qsr mU qsrMi Mr ei W | rS 18 qWl M sL
Lx sZmUi ur uuUh Emsok lW W i, CMCr
M `1 mi ucU me lk M AkU mU qsrMi Mr
ei W |
a) urmU Wi kUi
Cx xua M iWi uaMi luz M oeU MO, pUir
lri Ar qS oeU AU urim xb (LTADLqLqQL)
U bwi qsr / Ar M AlxU xmiWM AkU mU
qsrMi Mr ei W |
mirM h / uaMUh M iWi lus qsrx M qlri
S aD ij xukl, rS MD W i, lMU ar | mirM
mipir M qsrMl oeU M sL AMi ML el mU
oW qsr q MD mUuil lW Wi W |
Investments in Subsidiaries and Joint Ventures
& Associates are valued at carrying cost. Any
diminution in the value other than temporary in
nature is fully provided for.
Investment in sponsored Regional Rural Banks
(RRB) and other Trustee Shares are valued at
carrying cost.
Investment in units of Venture Capital Funds
(VCFs) made after 23.08.2006 are classied under
HTM category for initial period of three years and
valued at cost.
b) AVAILABLE FOR SALE
Investments classied under this category are
mark to market on quarterly basis and valued
as per Reserve Bank of India guidelines at the
market rates available on the last day of each
quarter (Balance Sheet date) from trades/quotes
on the stock exchanges, prices/yields declared by
the Fixed Income Money Market and Derivatives
Association of India (FIMMDA). Unquoted
securities are also valued as per the Reserve Bank
of India guidelines.
The net depreciation under each category/
classication is fully provided for whereas the
net appreciation, if any, is ignored. The book value
of the individual securities does not undergo
any change after these are valued at mark to
market basis.
Units of Venture Capital Funds (VCF) transferred
from HTM category after a period of three years
(Refer paragraph 3.3(a) are valued at NAV as per the
audited nancial statements of Venture Capital
Funds. In case such audited nancial statements
are not available continuously for 18 months
as on the date of valuation, units are valued at
Re. 1 per VCF.
c) HELD FOR TRADING
Investments classied under this category are
valued at rates based on market quotations, price/
yields declared by FIMMDA on a weekly basis.
The net depreciation under each security held is
fully provided for whereas the net appreciation,
if any, is ignored. The book value of the individual
securities do not undergo any change after marked
to market.
137
3.4 LM h x SxU h q zrU M AiUh lqllxU
Mr ei W :
M) mUmYui M sL kUi (LcOLq) h x o M sL
Emsok (LLTLx) / urmU M sL kUi (LcLTO)
h M AiUh AkaWh qsr / oW qsr mU Mr
ei W | rS Lc O Lq h M iWi luz M qs
m x mqrq mU UZ ei W i mUzki sai mU
AiUh Mr ei W |
Z) L LT Lx / Lc LT O h x Lc O Lq h q
AiUh oW qsr r oeU qsr M lql qsr mU Mr
ei W |
a) L LT Lx x Lc O Lq h r CxM umUi
M UZu sai mU AiUi Mr ei W | Emci
qsrx, rS MD W i, Lc LT O mipir
M mi qsrx M sL mukl M AiUi Mr
ei W |
3.5 mipiMUh / mllqh Mml (mM / mM) M oM U
oc ar AleM luz ur mUxqmr M qqs q
mM / mM U eU mipi UxS M mipi UxS M
miSr qsr AU ur mUxm M lus oW qsr q
x lql xiU mU qsrMi Mr ei W | oWr q ClM
luz EmrlxU lkUi qsr mU ClM ur r uxs
iM Mr ei W AU Lx ur / uxs mU Wl r sp
lqllxU mz Mr ei W :-
M) rS ur lus oW qsr (Llou)x Mq qsr
mU W i, iSxok Mq M pUir Ueu oM M
SzlSz M AlxU qlri Sr ei W |
Z) rS ur lus oW qsr x E qsr mU W i,
AiU mukl M umx lW Mr ei W, sMl
mM / mM M Alr ur Axir M ur x
Wlus Mq / Wl M mi M sL Mr ei W |
3.6 il q x Mx p h q zqs ML aL mipir
M qqs q eW ore / qs Uz LM lkUi Auk M
sL oMr W i AleM luz M m q uaMi Mr
ei W | Lx mipir mU ore Ar M ahl lW M
ei W ij luz M qsr mU AuzrM x / mukl
olr ei W | Lx AleM luz M mi qsrx
M Alr AeM Axir M mi qsru x xqel lW
Mr ei W |
3.7 luz M o mU sp
o M sL Emsok ij urmU M sL kUi'' hr
M iWi luz M o mU sp M sp u Wl Zi q
qlri Sr ei W |
mUmYui M sL kUi'' h M xok q luz M
o mU Emsok sp M mjqM iU mU sp u Wl
Zi q sr ei W ij sp M xqisr Uz M
AUi me (MU u AUi lk M AiUi M elus
Uz M lus) q ulrei Mr ei W |
3.4. Transfer of scrips from one category to another is
carried on the following basis:
(a) HTM to AFS/HFT category at acquisition price/
book value. In case the investments under HTM
category are placed at premium originally the
transfer is made at amortised cost.
(b) AFS/HFT to HTM category at lower of the book
value or market value.
(c) AFS to HFT category or vice versa, at the
carrying value. The accumulated depreciation,
if any, to be transferred to the provision for
depreciation against HFT securities and vice
versa.
3.5. Non performing Investments Security Receipts
issued by Securitisation / Reconstruction Company
(SC/RC) in respect of nancial assets sold by the
Bank to the SC/RC are valued at the lower of the
redemption value of the Security Receipt and
the Net Book Value of the nancial asset. The
Investment is carried in the books at the price
determined as above until its sale or realisation
and on such sale or realisation, loss or gain is dealt
with as below:.
(a) If sale is at a price below Net Book Value (NBV), the
shortfall is recognised as per Reserve Bank of India
guidelines.
(b) If the sale is for a value higher than NBV, the
excess provision is not reversed but utilized to
meet shortfall/loss on account of sale of other
nancial assets to SC/RC.
3.6. Securities included in any of three categories
where interest/principal is in arrears for a
specied period, are classied as Non performing
Investment. Interest Income on such securities
is not reckoned and appropriate depreciation/
provision in value of Investments is made.
Deprecation in respect of such Non Performing
Investments is not set off against appreciation in
other performing securities.
3.7. Prot on sale of Investments
Prot on sale of Investments in respect of Available
for Sale and Held for Trading categories is
recognized in Prot & Loss Account.
Prot on sale of Investments in respect of Held
to Maturity category is rst taken to the Prot
& Loss Account and an equivalent amount of
Prot is appropriated to the Capital Reserve (net
of taxes and amount required to be transferred to
Statutory Reserve).
138
 xp il hr q luz M o mU Wl M sp u
Wl Zi q qlri Sr ar |
3.8 Um / miui Um M sZMl u cslk xqrel
xuk (LsLLT)
Um / miui Um M iWi xWqi zi mU LM MUU M
xj ZUS / oc aD mipir (LsLLT M Asu) M
ml:ZUS M EkU M m q sZMi Mr eLa|
LsLLT M iWi pUir Ueu oM x ZUS / oc aD
mipir M luz Zi q lq / eq Mr ei W AU
mUmYui mU ExM umx Mr ei W|
[4] urim xuSL
oM ore SU ASs-oSs AU qS urimr q
uruWU MUi W | oM U uruWU Mr e UW ore SU
urimr mr ore SU ASs-oSs, mUxmU slSl M
qS ore SU ASs-oSs AU urS SU MUU W | oM
U uruWU M e UW qS urimr uMsm AU qS
ASs-oSs W |
Lx urim xuSA M lqllxU qsrMi Mr
ei W :
M) urmU M sL mra M elus urim xuSL
oeU M sL AMi M ar W AU lus qsrx
M mWcl M aD W ij lus qsru M lMU
ar W |
Z) miU M sL Emra q sr e UW urimr
lqllxU W :
i. urim xuSL oeU M sL AMi lW M
ei W, eo iM AkUpi Axir / SriL
oeU M sL AMi lW M ei W |
ii. miU ASs-oSs M sL Emci AkU mU
Ar / urr M sZ Mr ar |
[5] Aaq
5.1 Aaq M AeM AU AleM Axir M m q
xuaMi Mr ar W AU pUir Ueu oM U lkUi
uuMmh qlSQ M AlxU mukl ML aL W |
5.2 Aaq M EkUMiuU qlM, AuqlM, xSak ij Wl
Axi M m q xuaMi Mr ar W |
5.3 bUs Aaq Wi AeM / AleM Aaq M sL
pUir Ueu oM SzlSz M AlxU mukl ML
aL W |
5.4 uSz zZA M AeM / AleM Aaq M sL
mukl xjlr ulrq / Ex Sz M lrq, pUir
Ueu oM U lkUi qlM, e p AkM xZi W, M
AlxU Mr ar W |
Loss on sale of Investments in all the three
categories is recognized in Prot & Loss Account.
3.8. Accounting for Repo/Reverse Repo and Liquidity
Adjustment Facility (LAF)
The securities purchased/sold with an agreement
to repurchase on the agreed terms under Repo /
Reverse Repo (other than LAF) are recognized as
borrowing / lending.
The securities purchased/sold under LAF with RBI
are debited/credited to Investment account and
reversed on maturity.
[4] Derivative contracts
The Bank deals in Interest Rate Swaps and
Currency Derivatives. The Interest Rate Derivatives
dealt by the Bank are Rupee Interest Rate Swaps,
Cross Currency Interest Rate Swaps and Forward
Rate Agreements. Currency Derivatives dealt by
the Bank are Options and Currency Swaps.
Such derivative contracts are valued as under:
a. Derivative contracts dealt for trading are valued
on mark to market basis, net depreciation is
recognized while net appreciation is ignored.
b. Derivative contracts undertaken for hedging
are:
i. Derivative contracts designated as hedges
are not marked to market unless their
underlying asset is marked to market.
ii. Income / Expenditure is recognized on
accrual basis for Hedging swaps.
[5] Advances
5.1 Advances are classied as performing and
non-performing assets in accordance with the
prudential norms issued by RBI.
5.2 Advances are classied into Standard, Sub Standard,
Doubtful and Loss assets borrower wise.
5.3 Provisions for domestic advances are made for
performing/non - performing advances in
accordance with the RBI Guidelines.
5.4 Provisions for performing/ non-performing
advances with foreign branches are made as per
local regulations / regulations of host country
according to the norms prescribed by RBI,
whichever is more stringent.
139
5.5 isl m q EssZi Aaq, AleM Axir, QO
aUO xxjl x mmi Su AU mlplD M sL ML aL
mukl M lus W |
5.6 AleM Aaq q ML aL AzM uxsr M xqrel
mjqi: mpU u ore, iimi xqfi lmOl / Msii
Gh M qs kl M mi Mr ei W | uxsr M
mjqi: qs kl M xj xqrei Mr ei W |
5.7 mipiMUh / mllqh Mml M oc ar ur
Axir M qqs q, qsrMl, Ar lkUh pUir
Ueu oM M SzlSz M AlxU Mr ei W |
(6) Acs mUxmr
6.1 oM M mUxU q q pq AU mus pq xm
Sl zqs W | pq AU pul M meMUh WxiiUh
m / AoOl m / m MUUlq, Sbuk mus
xmr AU / r xm M piM kUh M AkU mU
Wi W |
6.2 eW mlqsrMl Mr ar W ElW NQMU mUxU AU
Alr Acs mUxmr M LiWxM sai mU oir
ar W | mlqsrMl mU qsr u, rS MD W i, Ex
'mlqsrMl AUi lk' Zi q eq Mr ei W |
xuki qsr M MUh Wlus qsrx / mUzkl M
AiUh mlqsrMl AUi lk x sp u Wl Zi q
qsrx q eq Mr eLa |
(7) qsrx
7.1 MmrOU M NQMU, Acs mUxmr M qsrxi
qsr mi M iWi iixok mUxm M Emrer eul
mU mUMsi qsr M AkU mU mokl U lkUi SU
M AlxU qsrx Mr ei W | pUir Ueu oM M
SzlSz M AlxU, MmrOU mU qsrx M xk
MOi mhs M AkU mU 33.33% mpUi MUi WL Mr
ei W |
7.2 mki xm mUxU mU mS mqrq ExM mU m
Auk M sL mpUi Mr ei W |
7.3 Acs mUxm q xukl mU qsrx M ApaWh
iUZ M ahl ML oaU xmh uw M sL mpUi Mr
ar W | o / lmOl uw M SUl qsrx M sL
mukl lW Mr ar W |
5.5 Advances stated in the Balance Sheet are net of
provisions made for Non Performing Assets, claims
received from Credit Guarantee Institutions and
rediscount.
5.6 Partial recoveries in Non Performing Advances are
apportioned rst towards charges and interest,
thereafter towards principal with the exception of
non performing advances involving compromise
settlements/ Loan Past Due advances, the
recoveries are rst adjusted towards principal.
5.7 In case of nancial assets sold to SC/ RC, the
valuation, income recognition is being done as per
RBI guidelines.
(6) Fixed Assets
6.1 The premises of the Bank include freehold and
leasehold properties. Land and Buildings are
capitalised based on conveyance / letters of
allotment / agreement to lease, deposit made on
long term leasehold properties and / or physical
possession of the property.
6.2. Premises and other Fixed Assets are stated at
historical cost except wherever revalued. The
appreciation on revaluation, if any, is credited to
the Revaluation Reserve Account. Depreciation /
Amortization attributable to the enhanced value is
transferred from Revaluation Reserve to the credit
of Depreciation in the Prot and Loss Account.
[7] Depreciation
7.1. Fixed Assets excluding Computers are depreciated
under Written Down Value Method at the rates
determined by the management on the basis
of estimated useful life of the respective assets.
As per the guidelines of RBI, depreciation on
Computers including ATMs is charged at 33.33%
on Straight-Line Method.
7.2. Premium paid on leasehold properties is charged
off over the lease period.
7.3. Depreciation on additions to xed assets is
charged for the full year irrespective of the date of
acquisition. No depreciation is provided for in the
year of sale/disposal.
140
(8) Axir M Wl
mirM isl m iUZ M Mx Axi M Amrl
M xMi W r lW M lkUh Mr ei W | rS MD
xMi mr ei W i uxs rar Uz M LM Alql
olr ei W ij rS MD Amrl W i, mukl Mr
ei W |
(9) Uexu M mUMsl
9.1 Ar u urr M sZMl xqlrir, lqlsZi M
NQMU, Emci AkU mU Mr Mr ei W :
M) pUir Ueu oM U lkUi qlSQ M AlxU
AleM Aaq ij AleM luz mU ore M
qlri Sr ar W |
Z) AiSr os, Mqzl ( xUMU MUoU M Asu),
ulqr, Sss ij sMU MUr mU ore M ahl
uxs mU Mr ar W |
a) spz M ahl io Mr eLa eo ExM mmi
MUl M AkMU xjmi Mr ei W|
b) qMSq SrU ML aL sZ M qqs q xoki
ukM ij Alr urr M sp-Wl Zi q mpUi
Mr eLa ij uxs mU ExM ahl Ar M m
q M eLa | |
(10) MqcU sp
10.1 mUpwi AzSl relL
mUpwi AzSl relL : mUpwi AzSl relL
ex puwr lk / mzl lk M urr M m q qlri
Sr ar W ij sp-Wl Zi q mpUi Mr ar W |
10.2 mUpwi Wisp relL
M) EmSl: MqcU EmSl lk rel M lkrl oM
U Mr ei W exM mokl Asa lrx U
Mr ei W e SzlSz M AlxU ElM lk
M mokl MUi W | EmSl M iWi oM M okriA
M uiql qsr M rj uwi M oqMM AkU mU
ij rel xm M Eci qsr M lus AkU mU
okriA M qlri Sl M sL xMs okriA x
Mq Mr ar W |
Z) mzl: MqcU mzl lk rel M lkrl oM U
Mr ei W exM mokl Asa lrx U Mr
ei W | mzl M iWi oM M okriA M uiql
qsr M rj uwi AkU mU ij rel xm M
Eci qsr M lus AkU mU okriA M qlri
Sl M sL xMs okriA x Mq Mr ar W |
[8] Impairment of Assets
An assessment is made at each balance sheet
date whether there is any indication that an
asset is impaired. If any such indication exists, an
estimate of the recoverable amount is made and
impairment loss, if any, is provided for.
[9] Revenue Recognition
9.1. Income and expenditure are generally accounted
on accrual basis, except the following:
a) Interest on Non-Performing advances and non
performing investments is recognized as per
norms laid down by Reserve Bank of India.
b) Interest on overdue bills, Commission (other
than Government business), Exchange,
Brokerage and rent on lockers are accounted
on realization.
c) Dividend Income is recognized when the right
to receive the same is established.
d) In case of suit led accounts, related legal and
other expenses incurred are charged to Prot
& Loss Account and on recovery the same are
accounted as Income.
(10) Employee Benets
10.1 Dened Contribution Plans
Dened Contribution Plans such as Provident /
Pension fund are recognized as an expense and
charged to Prot & Loss account.
10.2 Dened Benet Plans
a) Gratuity: The employee Gratuity Fund Scheme
is funded by the Bank and managed by a
separate trust who in turn manages their
funds as per guidelines. The present value
of the Banks obligation under Gratuity is
recognized on actuarial basis as at the year
end and the fair value of the Plan assets is
reduced from the gross obligation to recognize
the obligation on a net basis.
b) Pension: The employee Pension Fund Scheme
is funded by the Bank and managed by a
separate trust. The present value of the Banks
obligations under Pension is recognized on
the basis as at the year end and the fair value
of the Plan assets is reduced from the gross
obligation to recognize the obligation on a
net basis.
141
a) Gh mUzkl : oM M MqcUr M sL mzl uMsm
Sl x Wlus Sri / urr M ij EmSl pail
Aklrq, 1972 q xzkl M mi EmSl q Wlus
xukl M xql AkU mU ur uw 2010-11 x z
Wlus uw x mc uw M sL mUzki Mr ar W |
10.3 uzwkMU N M Sbuk sp ql ar W ij
mirM isl m iUZ M Alqli CMD xZ mi'
M xui oqMM qsrMl M AkU mU qlri Sr
ei W |
(11) MUkl M sL mukl
M) cs ij Axjai Sl MU M sL MU mukl
Mr ar W |
Z) xqr-Auk q AiU M MUh Eimll Wlus upSM
MU Axir AU SriA e M oS M Aukr
M SUl miuil rar W M Aklrqi MU M
SU u lrq Aju oS q isl-m M iUZ mU
Aklrqi MU M SU u lrq M mra MUi WL
qlri S ar W |
a) upSM MU Axir M qlri io iM lW S
ei W eo iM rW mU iUW x li lW W
ei M mrmi pu MUrar Ar Emsok W era
exM mi Lx upSM MU Axir M qlri S
era |
(12) lus sp
12.1 mukl, AMxqM SriL AU AMxqM Axir
I. pUir xlS sZMU xxjl U eU sZMl
qlM 29 AMxqM SriA ij AMxqM Axir
M sL mukl" M AlxU oM U mukl M qlri
Sr ar, eo :-
M) muui bOl M mUhq M m q uiql q MD
Sriu W |
Z) rW xpu W M Ex Sriu M lpl M sL AjM
sp r xi M oWaql Sriu lmOl M sL
AuzrM W, ij
a) eo Sriu Uz M Eci mUMsl Mr e
xMi W |
c) Amortization: The additional liability/expenditure
arising consequent upon the reopening of
Pension Option to the employees of the bank
and enhancement in gratuity limit pursuant to
amendment to Payment of Gratuity Act, 1972 has
been amortized equally over a period of ve years
beginning with the nancial year 2010-11.
10.3 The privilege leave is considered a long term
benet and is recognized based on independent
actuarial valuation on Projected Unit Credit
method at each Balance Sheet date.
(11) Provision for Taxation
a) Provision for tax is made for both Current and
& Deferred Taxes.
b) Deferred Tax assets and liabilities arising on
account of timing differences and which are
capable of reversal in subsequent periods are
recognized using the tax rates and laws that
have been enacted or substantively enacted as
of the balance sheet date.
c) Deferred tax assets are not recognized unless
there is virtual certainty that sufcient
future taxable income would be available
against which such deferred tax assets can be
recognized.
(12) Net Prot
12.1 Provisions, Contingent Liabilities and Contingent
Assets
I. In conformity with AS 29, Provisions, Contingent
Liabilities & Contingent Assets issued by the
Institute of Chartered Accountants Of India, the
bank recognizes provision only when :
a. it has a present obligation as a result of past
event.
b. it is probable that an outow of resources
embodying economic benets will be required
to settle the obligation, and
c. when a reliable estimate of the amount of the
obligation can be made.
142
II. lqlsZi M sL MD mukl lW Sr ar :-
M) mu M bOlA x Eim Wlus Mx xpui
Sriu AU exM Axiiu M m Mus LM r
Exx AkM Ali pu bOlA, eM mh m
x oM M lrh M piU W, M bOl r l bOl mU
W M eLa |
Z) rW mirzi lW W M AjM Wi x xxqm
xxkl M oWaql Sriu M lmOl M sL
AuzrM W Aju
a) Sriu M Uz M uxlr Alql lW sar e
xMi |
Lx okriA M AMxqM SriA M m q ApsZi Mr
ar W | CxM lrqi AiUs mU lkUi Mr ei W ij
okri M Ex Wxx exM sL AjM sp r xi M
oWaql xpu W, M sL mukl Sr ar W | eW mU uxlr
Alql olr lW e xMi, uW mukl lW Sr ar W |
III. AMxqM SriA M ur uuUhr q qlri lW
Sr ar W |
12.2 lus sp
sp-Wl Zi q lus sp lqlsZi M mi W :
M) luz mU qsrx M sL mukl
Z) MUkl M sL mukl
a) Gh Wlr M sL mukl
b) qlM Axir M sL mukl
X) AleM luz M sL mukl
c) Alr xqlr u AluzrM mukl
[13] mi zrU Ael
oM, sZMl qlM 20 M AlxU mi zrU M qs
u ilMi Ael M UmO MUi W | mi zrU qs Ael
M ahl MU mi lus sp M uw M SUl oML
DYuO zrU M pUi Axi xZr x upei MUM
Mr ei W |
II. No provision is recognized for:
a. Any possible obligation that arises from
past events and the existence of which will
be conrmed only by the occurrence or non
occurrence of one or more uncertain future
events not wholly within the control of the
bank.
b. It is not probable that an outow of resources
embodying economic benets will be required
to settle the obligation or
c. A reliable estimate of the amount of obligation
cannot be made.
Such obligations are recorded as Contingent Liabilities.
These are assessed at regular intervals and only that
part of the obligation for which the outow of resources
embodying economic benets is probable, is provided
for, except in the extremely rare circumstances where no
reliable estimate can be made.
III. Contingent Assets are not recognized in the
nancial Statements.
12.2 Net Prot
The Net Prot in the Prot & Loss Account is after:-
a) Provision for depreciation on Investments.
b) Provision for Taxation.
c) Provision on loan losses
d) Provision on Standard Assets.
e) Provision for Non Performing Investments.
f) Other usual & necessary Items.
[13] Earning per share:
The Bank reports basic and diluted Earnings Per
Share in accordance with AS 20. Basic Earnings Per
Share is computed by dividing the net prot after
tax by the weighted average number of equity
shares outstanding for the Year.
143
 Alxc 18 SCHEDULE 18
Alxc 18- sZ xxok Ommhr
SCHEDULE 18 - NOTES ON ACCOUNTS
1 luz:
1 Investments:
i) rj 31.03.2015 M "mUmYui M sL kUi" ua M
i) The percentage of investments under Held to
iWi luz M mizi xukM iUsi Almi (Lx
Maturity category SLR as on 31.03.2015 was
Ls AU) oM M qa AU qrS Sri M 22.23%
22.23% of Demand and Time Liability of the
j (mNs uw 21.66%), e pUir Ueu oM M
Bank (Previous year 21.66%), which is within the
SzlSzlxU Alqi xq M piU W |
permissible limit as per RBI guidelines
ii) Alxc-8 q Alwar ij / r pUi M xr Eq
ii) Investment in Subsidiaries/Joint Ventures/
q luz q r aqh oM q zrU M AuOl
Associates in India in Schedule-8 includes
soi UWl M MUh zrU me M mi luz M aD
Rs.29.40 Crore (Previous year Rs.29.40 Crore)
Aaq `29.40 MUQ (mNs uw `29.40 MUQ) M p
being advance towards share capital in Regional
xqWi Mr ar W |
Rural Banks pending allotment of shares.
2 AiU-zZ slSl: 2 Inter-Branch Transactions:
31.03.2015 iM AiU-zZ slSl M Akl xqkl M The initial matching of entries received at Head
Ezr x mkl Mrsr q mmi mur M mUpM qsl Ofce for the purpose of reconciliation under Inter-
Mr ar W | oM mur M qsl MUl ij zw oMr Branch transactions upto 31.03.2015 has been done.
mu M bOl M Aml mrx M eU UZ UW W | However, Bank is continuing its efforts to reconcile
and reduce the remaining outstanding entries.
3 mUxU:
3 Premises:
mUxU q `211.35 MUQ (mNs uw `211.35 MUQ) M Premises include certain properties having original
MN xmr zqs W elM xSp q oM M m q AiUh cost of `211.35 Crore (Previous year `211.35 Crore)
usZ M lwmSl soi W| in respect of which conveyance deeds are pending
executions.
4 pUir Ueu oM M AuzrMilxU mMOMUh:
4 Disclosure as per RBI Requirements:
4.1 me:
4.1 Capital:
(` MUQ q) (` In Crore)
oxs II oxs III Particulars Basel II Basel III
qS
31.03.2015 31.03.2014 31.03.2015 31.03.2014 31.03.2015 31.03.2014 31.03.2015 31.03.2014
(i) xAULAU 10.98 11.14 10.56 10.63 (i) CRAR 10.98 11.14 10.56 10.63
(ii) x D O 1 (ii) CET 1 Ratio (%) --- --- 7.37 7.41
Almi (%) --- --- 7.37 7.41
(iii) Tier I Capital
(iii) OrU I me Ratio (%) 8.30 8.00 8.02 7.68
Almi (%) 8.30 8.00 8.02 7.68
(iv) Tier II Capital
(iv) OrU II me Ratio (%) 2.68 3.14 2.54 2.95
Almi (%) 2.68 3.14 2.54 2.95 (v) Percentage of
(v) oM q Shareholding
pUi xUMU of the
M zrUkUh Government
M mizi of India in the
(%) Bank 69.91 69.00 69.91 69.00
69.91 69.00 69.91 69.00
(vi) AiU (vi) Amount of
Additional
mmi OrU I
Tier 1 capital
me Uz 1500.00 -- 1500.00 -- raised 1500.00 -- 1500.00 --

144
(vii) AiU mmi (vii) Amount of
OrU II me Tier 2 capital
raised; of
Uz; exq x
which Debt
Gh me capital
sZi: zlr 2500.00 zlr 2500.00 instrument: Nil 2500.00 Nil 2500.00
Preference
Akql zrU
Share Capital
me sZi: zlr zlr zlr zlr Instruments: NIl NIl NIl NIl

4.2 luz: 4.2 Investments:

(1) luz M qsr: (1) Value of Investments:
(` MUQ q) (` in Crore)
uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

i. luz M xMs qsr 145455.24 127676.17 i. Gross Value of Investments 145455.24 127676.17

M. pUi q 144518.68 126779.65 a. In India 144518.68 126779.65

Z. pUi x oWU 936.56 896.52 b. Outside India 936.56 896.52

ii. qsr
rx, Ll m AD M sL ii. Provisions for Depreciation,
mukl 109.06 847.92 NPI 109.06 847.92

M. pUi q 109.06 805.86 a. In India 109.06 805.86

Z. pUi x oWU - 42.06 b. Outside India - 42.06

iii. luz M lus qsr 145346.18 126828.25 iii. Net Value of Investments 145346.18 126828.25

M. pUi q 144409.62 125973.79 a. In India 144409.62 125973.79

Z. pUi x oWU 936.56 854.46 b. Outside India 936.56 854.46

(2)) luz mU qsrx M sL ML aL mukl q EiU - (2) Movement of Provisions held towards depreciation
cR u AU Ll m AD : and for NPI on Investments:
(` MUQ q) (` in Crore)
uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

i. mUpM zw 847.92 217.71 i. Opening Balance 847.92 217.71

ii. eQ: uw M SUl olr ar 56.17 756.00

ii. Add: Provisions made 56.17 756.00
mukl during the year

iii. bOr: uw M SUl AiU iii. Less: Write back of excess

mukl M o 795.03 125.79 provisions during the year 795.03 125.79
Zi Qsl

iv. Ci zw 109.06 847.92 iv. Closing balance 109.06 847.92

145
4.2.1. ml: ZUS (Um) slSl:
i. oeU Um (` MUQ q)
uw M SUl
uw M SUl uw M SUl rj
uuUh miSl Axi
lrliq oMr AkMiq oMr 31.03.2015 M
oMr
Um M iWi ui mipir
i) xUMU mipir 5.00 7242.05 570.18 zlr
ii) laq Gh mipir zlr zlr zlr zlr
mi Um M iWi ZUS ar mipir
i) xUMU mipir 30.00 8903.20 1242.86 zlr
ii) MmUO Gh mipir zlr zlr zlr zlr

4.2.1 Repo Transactions-

i. Market REPO (` in Crore)
Minimum Maximum Daily Average
As on
Particulars outstanding outstanding outstanding
31.03.2015
during the year during the year during the year
Securities sold under repo
i) Government Securities 5.00 7242.05 570.18 NIL
ii) Corporate Debt Securities NIL NIL NIL NIL
Securities purchased under reverse repo
i) Government Securities 30.00 8903.20 1242.86 NIL
ii) Corporate Debt Securities NIL NIL NIL NIL

ii. pUir Ueu oM M xj cslk xqrel xuk (LsLLT)

(` MUQ q)
uw M SUl
uw M SUl uw M SUl rj
uuUh miSl Axi
lrliq oMr AkMiq oMr 31.03.2015
oMr
Um M iWi ui mipir
i) xUMU mipir 104.00 12033.84 2942.51 5876.00
ii) MmUO Gh mipir zlr zlr zlr zlr
mi Um M iWi ZUS ar mipir
i) xUMU mipir 104.00 7696.00 436.19 2600.00
ii) MmUO Gh mipir zlr zlr zlr zlr

ii. Liquidity Adjustment Facility (LAF) with RBI

(` in Crore)
Minimum Maximum Daily Average
As on
Particulars outstanding outstanding outstanding
31.03.2015
during the year during the year during the year
Securities sold under repo
i) Government Securities 104.00 12033.84 2942.51 5876.00
ii) Corporate Debt Securities NIL NIL NIL NIL
Securities purchased under reverse repo
i) Government Securities 104.00 7696.00 436.19 2600.00
ii) Corporate Debt Securities NIL NIL NIL NIL

146
4.2.2 aU-xukM cslk Almi luz xupa:
i) aU-xukM cslk Almi luz M eUMi ulrx: (` MUQ q)

"Mq luz
"aU-UOQ" "Axcai"
le xjl h"
x. eUMi Uz mipir M mipir M
lrel xq mipir M
xq xq
xq
(1) (2) (3) (4) (5) (6) (7)
(i) xuelM Emq 4805.52 4284.35 zlr zlr 12.89
(ii) ur xxjL 5077.06 4506.81 zlr zlr zlr
(iii) oM 5004.40 4210.58 10.00 31.25 31.25
(iv) le MmUO 1616.93 1011.69 118.70 zlr zlr
(v) Alwar / xr Eq 869.29 869.29 zlr zlr zlr
(vi) Alr 2529.90 2362.99 zlr zlr zlr
(vii) bOL : qsrx ij LlmAD M sL mukl 108.46 -- -- -- --
Ms 19794.64 17245.71 128.70 31.25 44.14
Msq 4,5,6, u 7 M iWi UmO M aD Uzr mUxmU Allr lW W|

4.2.2 Non-SLR Investment Portfolio:

i) Issuer composition of Non SLR Investments: (` in Crore)

Extent of
Extent of Below Extent of Extent of
No. Issuer Amount Private Investment Unrated Unlisted
Placement Grade Securities Securities
Securities

(1) (2) (3) (4) (5) (6) (7)

(i) PSUs 4805.52 4284.35 NIL NIL 12.89

(ii) Fis 5077.06 4506.81 NIL NIL NIL

(iii) Banks 5004.40 4210.58 10.00 31.25 31.25

(iv) Private Corporate 1616.93 1011.69 118.70 NIL NIL

(v) Subsidiaries/ Joint Ventures 869.29 869.29 NIL NIL NIL

(vi) Others 2529.90 2362.99 NIL NIL NIL

(vii) Less: Provision held towards depreciation 108.46 -- -- -- --

and NPI

Total 19794.64 17245.71 128.70 31.25 44.14

Amounts reported under columns 4,5,6 and 7 above are not mutually exclusive.

147
ii) AleM aU-xukM cslk Almi luz : ii) Non-Performing Non SLR Investments:
(` MUQ q) (` in Crore)
uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014
mUpM zw 284.81 225.76 Opening balance 284.81 225.76
1 Ams M oS uw M SUl 81.83 122.31 Additions during the year 81.83 122.31
xukl since 1st April 2014
Emr Auk M SUl 35.08 63.26 Reductions during the above 35.08 63.26
MOi period
Ci zw 331.56 284.81 Closing balance 331.56 284.81
kUi Ms mukl 281.40 219.81 Total Provisions held 281.40 219.81

4.2.3 mUmYui iM kUi (LcOLq) ua M / x o AU AiUh :

Lc O Lq ua M / x mipir M o AU AiUh M qsr rj 01.04.2014 iM Lc O Lq ua kUi luz M oW qsr
M mc mizi x AkM lW W |
4.2.3 Sale and transfers to/from HTM Category:
The value of sale and transfers of securities to/from HTM category during the year does not exceed ve percent
of the book value of the investment held in HTM category as on 01.04.2014.

4.3 urimllr:
4.3.1 urS SU MUU / ore SU ulqr:
(` MUQ q)
uuUh 31.03.2015 31.03.2014

i. ulqr MUU M Msmi qskl 6692.50 6461.07

ii. MUU M iWi okri M mi m U mU lW Mr el mU WD i 230.23 272.24

iii. ulqr q muz mU oM U xmM M AuzrMi zlr zlr

iv. ulqr x Wlus xZ eZq M xMSh zlr zlr

v. ulqr oW M Eci qsr 229.47 269.62

4.3 Derivatives:
4.3.1 Forward Rate Agreement / Interest Rate Swap: (` in Crore)
Particulars 31.03.2015 31.03.2014

i. The notional principal of swap agreements 6692.50 6461.07

ii. Losses which would be incurred if counter parties failed to fulll their obligations 230.23 272.24
under the agreements

iii. Collateral required by the Bank upon entering into swaps NIL NIL

iv. Concentration of credit risk arising from the swaps NIL NIL

v. The fair value of the swap book 229.47 269.62

148
4.3.2 ulqr urmU ore SU urim : (` MUQ q)
qM uuUh Uz
uw M SUl sr ar ulqr urmU ore SU urim M Msmi qskl M Uz (sZi-uU)
zlr
(i)
a) 8.83 CL 23 MAT 12.12.2041 654.84
b) 8.40 CL MAT 28.07.2024 104.88
rj 31 qc 2015 M ulqr urmU ore SU urim M Msmi qskl Uz zlr
(ii) (sZi-uU)
ulqr urmU ore SU urim oMr M Msmi qskl Uz ij
(iii) erS mpu lW (sZi-uU) zlr

ulqr urmU ore SU urim oMr M SlM oeU qsr ij

(iv) erS mpu lW (sZi-uU) zlr

4.3.2 Exchange Traded Interest Rate Derivatives

(` in Crore)
Sl.No. Particulars Amount

(i) Notional principal amount of exchange traded interest rate derivatives undertaken during
the year ( Instrument Wise ) 654.84
a) 8.83 CL 23 MAT 12.12.2041 104.88
b) 8.40 CL MAT 28.07.2024
(ii) Notional principal amount of exchange traded interest rate derivatives outstanding as on
NIL
31st March 2015 (instrument- wise)
(iii) Notional principal amount of exchange traded interest rate derivatives outstanding and not
NIL
highly effective (instrument- wise)
(iv) Mark-to-market value of exchange traded interest rate derivatives outstanding and not NIL
highly effective (instrument-wise)

4.3.3 urim q eZq xq xok mMOMUh:
I ahiqM mMOMUh
oM M Axir / SriA M ocu uruxj M sL urim
sZi M Emra xok q lSzM qQs U AlqSi UeMw approved by the Board of Directors.
eZq mokl li W |
M) oM M luz xupa q xjU ore SU, eU Mml AU
Axjr ore SU ex uzwiA us Axir lWi
W AU rW ore SU eZq M Akl W | oM M mx
OrU II oQ p W AU rW me sai xjU SU mU W AU
Cxq oWaql uMsm lW W | rW li Cx Sri mU ore SU
x xoki eZq x ocu M p Alqi Si W |
l Mus luz xupa q osM oeU lqh q p ore
SU eZq x ocu M sL oM M urS SU MUU (LT
4.3.3 Disclosure on risk exposure in derivatives:
I Qualitative Disclosure
The Treasury Risk Management Policy for using Derivative
Instruments to hedge banks Assets/Liabilities has been
A) The Investment Portfolio of the Bank consists of
assets with characteristics such as xed interest rate,
zero coupon and oating interest rates and is subject
to interest rate risk. The Bank also has Tier II bonds
hedged for interest rate swaps which do not have
exit options. The policy permits hedging the interest
rate risk on this liability as well.
Bank is permitted to use FRA and IRS (only plain vanilla
transactions are permitted). These instruments are
used not only for hedging the interest rate risk in the
investment portfolio but also for market making.

149
 AU L) AU ore SU xum (ASs-oSs) (AD AU Lx)
AU osMs xS (msl uls) MUoU M mra MUl M
Alqi W |
uSz qS SriA x xoki eZq x ocu x Ezr x
oM urS SU MUU (LT AU L) AU ore SU xum (ASs-
oSs) (AD AU Lx) ex urim M mra MU UW W |
mUxmU qS M AkU mU WqU aWM M AU x uMsm AU
xum M p mra Mr e UW W | oM U uMsm oM
Ua mUp MUl oM W |
uw M SUl oM l luz xupa M ore SU ASs-oSs
(ADAULx) q urim M mra lW Mr W AU urmU
ASs-oSs/qS urim/urS SU MUU p lW Mr W |
Z) oQ U AlqSi eZq mokl lir AU mqZ lrh
xqL ex xOm sx xqL, mim eZq xqL, m u
01, AS Mrzs W | Cl eZq xqA M lrqi m
x laUl AU xq M ei W | eZq mokl xqi M
mok xcl mhs / UmO AukM m x mxii Mr ei
W | oMr urim slSl M ocu uruxj mpuzsi M
lUiU AkU mU AilWi Axi /Sri M xok q laUl
M ei W |
a) ocu M xji
ore urr M Emcr / ore SU xum (AD AU Lx) mU Ar
M Uexu Zi q ql ei W |
oMr urim Mr M laUl ASs-oSs AU AilWi
Axi / Sri M Eci qsr M xok q ocu uruxj
uruWU M U M ei W | oM LTADLqLqQL qsrMl
mi Aji e LxDx miTs ij MmUO qQs M
Amli WL ASs-oSs AU AilWi Axi / Sri M
Eci qsr M lkUh MUi W | AaU ocu mpuMU lW
Wi W i ocu ASs-oSs M OQa ASs-oSs M m
q sr ei W | rS mUmYui x mu xum M xqmi MU
Sr ei W i Ex iUZ iM Lq O Lq Wl / sp AU
Emcr M ore SU xum (ASs-oSs) (AD AU Lx) mU
pail M aD / mmi ore M iWi sZMl Mr ei W |
OQa M xji
xqlr AiUs q OQa xum M oeU mU AMi
Mr ei W AU Ar uuUh q mUuil M UMQ Mr
ei W |
ore urr M Emcr / ore SU xum (AD AU Lx) mU Ar
M urr / Ar ql ei W |
xum M xqmi mU sp r Wl M E zwM M iWi
iiMs Ar r urr M m q UMQ Mr ei W |
Bank has been undertaking derivatives trades like IRS,
FRAs, etc for the purpose of hedging Foreign Currency
liabilities. Options and Swaps are also undertaken on
behalf of clients on back to back basis. The Bank is yet
to start Option book running.
During the year Bank has not undertaken
derivative trades in Interest Rate Swaps (IRS) of the
Investment Portfolio and Trading Swaps / Currency
Derivative / Forward Rate Agreements (FRA) were
also not undertaken.
B) The risk management policies and major control
limits like stop loss limits, counterparty exposure
limits, PV01, etc. approved by the Board of Directors
are in place. These risk limits are monitored and
reviewed regularly. MIS/Reports are submitted
periodically to Risk Management Committee. The
hedge effectiveness of the outstanding derivative
deals are monitored in relation to the underlying
asset/liability on an ongoing basis.
C) Hedge Positions
Accrual on account of interest expenses/ income on
the IRS are accounted and recognized as expense/
income.
Hedge effectiveness of the outstanding derivative
deals are monitored in relation to the fair value of
the swap and underlying asset/liability. Bank has
used the FIMMDA pricing method i.e. relevant G
SEC yield + corporate bonds spread for arriving at
the fair value of the underlying Asset/Liability. If the
hedge is not effective, hedge swaps is accounted as
trading swaps. If swap is terminated before maturity,
the MTM loss / gain and accruals till such date are
accounted as expense/income under Interest Paid /
received on IRS.
Trading Positions
Trading swaps are marked to market at frequent
intervals and changes are recorded in the income
statements.
Accrual on account of interest expenses/ income on
the IRS are accounted and recognized as expense /
income.
Gains or losses on termination of swaps are recorded
as immediate income or expense under the above
head.
150
II mUqhiqM mMOMUh
(` MUQ q)

. x. uuUh qS urim ore SU urim

1 urim (Msmi qskl Uz)

- ocu uruxj zlr 6592.50

- OQa 1121.32* 100.00

2 oeU xjir mU AMi

- Axir (+) zlr 230.23

- SriL (-) -0.01 -0.76

3 Gh eZq zlr 0.65

bUs xqSmUr

qS ore SU qS ore SU
urim urim urim urim

ore SU q LM mizi mUuil M xqlr

4
mpu [100* mu01]-

- ocu uruxj urimr mU zlr zlr zlr 1.01

- OQa urimr mU zlr 0.0058 zlr zlr

uw M SUl mL aL AkMiq u lrliq

5
100* mu01

- ocu uruxj urimr mU zlr zlr zlr zlr

- OQa urimr mU zlr 0.0155/0.0055 zlr zlr

urS xuS [100%mu01] M iWi oMr xji mU ulqr SU q LM mizi mUuil M xqlr mpu : `0.41 MUQ
6
M sp

*Currency future in NSE/MCX

151
II Quantitative disclosure
(` in Crore)

Sl. Particulars Currency Derivatives Interest Rate Derivatives

No.

1 Derivatives (Notional principal amount)

- Hedging Nil 6592.50

- Trading 1121.32* 100.00

2 Marked to Market positions

- Assets (+) Nil 230.23

- Liabilities (-) -0.01 -0.76

3 Credit Exposure NIL 0.65

Domestic Overseas

Currency Interest Rate Currency Interest Rate

Derivative Derivatives Derivative Derivatives

4 Likely impact of one percentage change

in interest rate [100*PV01]

- on hedging derivatives NIL NIL NIL 1.01

- on trading derivatives NIL 0.0058 NIL NIL

5 Maximum and minimum of 100*PV01

observed during the year.

- on hedging NIL NIL NIL NIL

- on trading NIL 0.0155/0.0055 NIL NIL

6 Likely impact of one percentage change in exchange rate on outstanding position under forward contract
[100%PV01]: Gain of `0.41 crore.

*Currency future in NSE/MCX

152
4.4 Axi ahu:
4.4.1 AleM Axir:
(` MUQ q)
uuUh 31.03.2015 31.03.2014
(i) lus Aaq mU lus LlmL (%) 2.65 1.98
(ii) LlmL M EiU- cRu (xMs)
M. mUpM zw 7570.21 6260.16
Z. uw M SUl xukl 10869.53 8443.62
a. uw M SUl Mq 5399.78 7133.57
b. Ci zw 13039.96 7570.21
(iii) lus LlmL M EiU-cRu
M. mUpM zw 5965.46 5278.07
Z. uw M SUl xukl 8174.41 8443.62
a. uw M SUl Mq 5399.78 7756.23
b. Ci zw 8740.09 5965.46
(iv) LlmL Wi mukl M EiU-cRu (qlM Axi xok mukl M NQ MU)
M. mUpM zw 1560.84 932.96
Z. qS AxjUi ij Alr M sL mukl -3.25 30.46
a. uw M SUl Mr ar mukl 4175.71 2238.03
b. o Zi q Qsl / AkM mukl umx MUl 1479.62 1640.61
X. Ci zw 4253.68 1560.84

4.4 Asset Quality:

4.4.1 Non-Performing Assets:
(` in Crore)
Particulars 31.03.2015 31.03.2014
(i) Net NPAs to Net Advances (%) 2.65 1.98
(ii) Movement of NPAs (Gross)
a. Opening balance 7570.21 6260.16
b. Additions during the year 10869.53 8443.62
c. Reductions during the year 5399.78 7133.57
d. Closing balance 13039.96 7570.21
(iii) Movement of Net NPAs
a. Opening balance 5965.46 5278.07
b. Additions during the year 8174.41 8443.62
c. Reductions during the year 5399.78 7756.23
d. Closing balance 8740.09 5965.46
(iv) Movement of provisions for NPAs (excluding Provision on Standard Assets)
a. Opening balance 1560.84 932.96
b. Adjustment towards Exchange Fluctuation & others -3.25 30.46
c. Provisions made during the year 4175.71 2238.03
d. Write off / (Write back) of excess provision 1479.62 1640.61
e. Closing balance 4253.68 1560.84

153
4.4.2 ml: xUci Zi M uuUh:
(` MUQ q)
ml:xUcl M mMU xQAU i M iWi LxLqD Gh ml:xUcl i M iWi

Axi uaMUh
qM qlM AuqlM xSak Wl Ms qlM AuqlM xSak Wl Ms
uuUh
EkUMiA M
42 6 9 1 58 2644 1538 3848 2545 10575
rj ur uw xZr
M 01 Ams M
1 oMr Uz 4485.45 802.12 274.15 239.30 5801.02 524.94 188.80 143.76 46.03 903.53
ml:xUcl Zi
(mUpM AMQ) iSxok
156.99 125.05 212.61 239.30 733.95 18.37 34.80 78.62 46.03 177.04
mukl
EkUMiA M
23 2 5 0 30 7618 614 15 11 8258
xZr
uw M SUl lD
2 oMr Uz 2192.40 73.53 731.37 0.00 2997.30 418.55 53.97 2.85 0.08 475.45
ml:xUcl
iSxok
76.51 11.03 433.89 0.00 521.42 11.00 8.53 1.31 0.08 20.92
mukl
EkUMiA M
4 -3 -1 0 0 209 -98 138 -236 13
xZr
ur uw M SUl
3 ml:xUci qlM oMr Uz 528.70 -500.72 -26.98 0.00 1.00 41.62 -35.59 11.04 -7.01 10.05
h M xiUrl
iSxok
18.50 0.00 0.00 0.00 18.50 1.46 0.00 9.85 -5.72 5.59
mukl

ur uw M EkUMiA M
17 0 0 0 17 590 0 0 0 590
xqmi mU EiU xZr
muklMUh ij/
oMr Uz 1253.81 0.00 0.00 0.00 1253.81 83.19 0.00 0.00 0.00 83.19
r AiU eZq
pU AMwi
MUlus ml:xUci
4
qlM Aaq M
Aas ur uw iSxok
5.02 0.00 0.00 0.00 5.02 0.21 0.00 0.00 0.00 0.21
q ml: xUci mukl
qlM Aaq M
m q SZl M
AuzrMi lW W

EkUMiA M
-16 11 7 1 3 -924 497 286 169 28
xZr
ur uw M SUl
5 ml:xUci Zi M oMr Uz -1601.31 772.54 829.73 122.22 123.19 -136.03 125.66 102.11 90.46 182.20
Aulrl
iSxok
-56.05 -159.71 403.14 122.22 309.61 -4.76 -5.17 18.29 73.51 81.88
mukl

EkUMiA M
-12 -5 2 0 -15 670 505 -19 -23 1133
xZr
ur uw M SUl
6 o Zi Qs aL oMr Uz -2554 -803 404 0 -2953.08 188 83 21 5 297.12
ml:xUci Zi
iSxok
-51 -322 221 0 -152 6 -2 -13 9 -1
mukl

EkUMiA M
48 21 18 2 89 8287 2046 4306 2512 17151
xZr
ur uw M 31
7 qc M ml:xUcl oMr Uz 6905.67 1950.12 1404.46 361.52 10621.77 577.88 249.93 239.04 124.06 1190.92
Zi (Ci AMQ)
iSxok
241.70 298.25 829.14 361.52 1730.60 20.23 39.86 121.33 104.54 285.96
mukl

154
4.4.2 Particulars of Accounts Restructured:
(` in Crore)
TYPE OF RESTRUCTURING UNDER CDR MECHANISM UNDER SME DEBT RESTRUCTURING MECHANISM
Sl.
ASSET CLASSIFICATION SUB SUB
No. STANDARD DOUBTFUL LOSS TOTAL STANDARD DOUBTFUL LOSS TOTAL
DETAILS STANDARD STANDARD

NO OF
42 6 9 1 58 2644 1538 3848 2545 10575
RESTRUCTURE BORROWERS
ACCOUNTS AS
AMOUNT
1 ON APRIL 1 OF 4485.45 802.12 274.15 239.30 5801.02 524.94 188.80 143.76 46.03 903.53
OUTSTANDING
FY(OPENING
FIGURES) PROVISION
156.99 125.05 212.61 239.30 733.95 18.37 34.80 78.62 46.03 177.04
THEREON
NO OF
23 2 5 0 30 7618 614 15 11 8258
BORROWERS
FRESH
AMOUNT
2 RESTRUCTURED 2192.40 73.53 731.37 0.00 2997.30 418.55 53.97 2.85 0.08 475.45
OUTSTANDING
DURING THE YEAR
PROVISION
76.51 11.03 433.89 0.00 521.42 11.00 8.53 1.31 0.08 20.92
THEREON
NO OF
4 -3 -1 0 0 209 -98 138 -236 13
UPGRADATIONS BORROWERS
TO RESTRUCTURED
AMOUNT
3 STANDARD 528.70 -500.72 -26.98 0.00 1.00 41.62 -35.59 11.04 -7.01 10.05
OUTSTANDING
CATEGORY DURING
THE FY PROVISION
18.50 0.00 0.00 0.00 18.50 1.46 0.00 9.85 -5.72 5.59
THEREON
RESTRUCTURED NO OF
17 0 0 0 17 590 0 0 0 590
STANDARD BORROWERS
ADVANCES
WHICH CEASES TO AMOUNT
1253.81 0.00 0.00 0.00 1253.81 83.19 0.00 0.00 0.00 83.19
ATRACT HIGHER OUTSTANDING
PROVISIONING AND/
OR ADDITIONAL RISK
WEIGHT AT THE END
4
OF THE FY
AND HENCE NEED
NOT TO BE SHOWN PROVISION
5.02 0.00 0.00 0.00 5.02 0.21 0.00 0.00 0.00 0.21
AS RESTRUCTURED THEREON
STANDARD
ADVANCES AT THE
BEGINNING OF THE
NEXT FY
NO OF
-16 11 7 1 3 -924 497 286 169 28
BORROWERS
DOWNGRADATIONS
OF RESTRUCTURED AMOUNT
5 -1601.31 772.54 829.73 122.22 123.19 -136.03 125.66 102.11 90.46 182.20
ACCOUNTS DURING OUTSTANDING
THE FY
PROVISION
-56.05 -159.71 403.14 122.22 309.61 -4.76 -5.17 18.29 73.51 81.88
THEREON
NO OF
-12 -5 2 0 -15 670 505 -19 -23 1133
BORROWERS
WRITE OFFs OF
RESTRUCTURED AMOUNT
6 -2554 -803 404 0 -2953.08 188 83 21 5 297.12
ACCOUNTS DURING OUTSTANDING
THE FY
PROVISION
-51 -322 221 0 -152 6 -2 -13 9 -1
THEREON
NO OF
48 21 18 2 89 8287 2046 4306 2512 17151
BORROWERS
RESTRUCTURED
ACCOUNTS AS ON AMOUNT
7 6905.67 1950.12 1404.46 361.52 10621.77 577.88 249.93 239.04 124.06 1190.92
MARCH 31 OF THE FY OUTSTANDING
(CLOSING FIGURES)
PROVISION
241.70 298.25 829.14 361.52 1730.60 20.23 39.86 121.33 104.54 285.96
THEREON

155
 (` MUQ q)
ml:xUcl M mMU ml:xUcl M mMU Alr

Axi uaMUh Axi
qM qlM AuqlM xSak Wl Ms qlM AuqlM xSak Wl
uuUh uaMUh

EkUMiA M
13291 1345 2668 1023 18327 15977 2889 6525 3569 28960
xZr
rj ur uw M 01
1 Ams M ml:xUcl oMr Uz 17946.54 660.22 1055.28 236.27 19898.31 22956.93 1651.14 1473.20 521.60 26602.87
Zi (mUpM AMQ)
iSxok
628.12 100.54 494.19 236.27 1458.96 803.49 260.39 785.42 521.60 2370.90
mukl
EkUMiA M
22183 948 109 92 23332 29824.00 1564 129 103 31620.00
xZr
uw M SUl lD
2 oMr Uz 4365.96 58.16 48.27 1.04 4473.43 6976.91 185.66 782.50 1.12 7946.19
ml:xUcl
iSxok
173.40 9.52 24.31 1.04 208.28 260.91 29.08 459.51 1.12 750.62
mukl
EkUMiA M
536 -298 -54 -147 37 749.00 -399 83 -383 50.00
ur uw M SUl xZr
3 ml:xUci qlM h oMr Uz 479.89 -474.03 -1.19 -2.28 2.38 1050.20 -1010.34 -17.14 -9.28 13.43
M xiUrl iSxok
16.80 0.02 1.25 -1.10 16.97 36.76 0.03 11.10 -6.82 41.06
mukl
ur uw M EkUMiA M
1595 0 0 0 1595 2202.00 0 0 0 2202.00
xqmi mU EiU xZr
muklMUh ij / oMr Uz 2173.38 0.00 0.00 0.00 2173.38 3510.37 0.00 0.00 0.00 3510.37
r AiU eZq
pU AMwi MUlus
4 ml:xUci qlM
Aaq M Aas iSxok
ur uw q ml: 24.49 0.00 0.00 0.00 24.49 29.71 0.00 0.00 0.00 29.71
mukl
xUci qlM Aaq
M m q SZl M
AuzrMi lW W
EkUMiA M
-1738 973 547 398 180 -2678.00 1481 840 568 211.00
ur uw M SUl xZr
5 ml:xUci Zi M oMr Uz -247.48 -60.17 322.56 64.38 79.28 -1984.82 838.03 1254.40 277.06 384.67
Aulrl iSxok
-8.66 -115.14 118.09 64.38 58.67 -69.47 -280.01 539.52 260.11 450.16
mukl
EkUMiA M
4439 530 74 40 5083 5097.00 1030 57 17 6201.00
ur uw M SUl xZr
6 o Zi Qs aL oMr Uz 1210 -186 504 102 1628.92 -1156.55 -942.00 928 107 -1027.04
ml:xUci Zi iSxok
115 -64 136 103 289 69 -387 343 112 137
mukl

EkUMiA M
28238 2438 3196 1326 35198 36573.00 4505 7520.00 3840.00 52438.00
ur uw M 31 qc xZr
7 M ml:xUcl Zi oMr Uz 19161.84 370.53 920.99 197.77 20651.12 26645.40 2570.59 2564.49 683.35 32463.82
(Ci AMQ )
iSxok
670.66 58.86 502.28 197.71 1429.51 932.59 396.97 1452.75 663.77 3446.07
mukl

156
 (` in Crore)
TYPE OF RESTRUCTURING OTHERS TOTAL
Sl.
ASSET CLASSIFICATION SUB SUB
No. STANDARD DOUBTFUL LOSS TOTAL STANDARD DOUBTFUL LOSS TOTAL
DETAILS STANDARD STANDARD

NO OF
13291 1345 2668 1023 18327 15977 2889 6525 3569 28960
BORROWERS
RESTRUCTURE
ACCOUNTS AS AMOUNT
1 17946.54 660.22 1055.28 236.27 19898.31 22956.93 1651.14 1473.20 521.60 26602.87
ON APRIL 1 OF OUTSTANDING
FY(OPENING FIGURES)
PROVISION
628.12 100.54 494.19 236.27 1458.96 803.49 260.39 785.42 521.60 2370.90
THEREON
NO OF
22183 948 109 92 23332 29824.00 1564 129 103 31620.00
BORROWERS
FRESH RESTRUCTURED AMOUNT
2 4365.96 58.16 48.27 1.04 4473.43 6976.91 185.66 782.50 1.12 7946.19
DURING THE YEAR OUTSTANDING
PROVISION
173.40 9.52 24.31 1.04 208.28 260.91 29.08 459.51 1.12 750.62
THEREON
NO OF
536 -298 -54 -147 37 749.00 -399 83 -383 50.00
BORROWERS
UPGRADATIONS
TO RESTRUCTURED AMOUNT
3 479.89 -474.03 -1.19 -2.28 2.38 1050.20 -1010.34 -17.14 -9.28 13.43
STANDARD CATEGORY OUTSTANDING
DURING THE FY
PROVISION
16.80 0.02 1.25 -1.10 16.97 36.76 0.03 11.10 -6.82 41.06
THEREON
RESTRUCTURED NO OF
1595 0 0 0 1595 2202.00 0 0 0 2202.00
STANDARD ADVANCES BORROWERS
WHICH CEASE TO
ATTRACT HIGHER AMOUNT
2173.38 0.00 0.00 0.00 2173.38 3510.37 0.00 0.00 0.00 3510.37
PROVISIONING AND/ OUTSTANDING
OR ADDITIONAL
RISK WEIGHT AT
4
THE END OF THE FY
AND HENCE NEED
NOT TO BE SHOWN PROVISION
24.49 0.00 0.00 0.00 24.49 29.71 0.00 0.00 0.00 29.71
AS RESTRUCTURED THEREON
STANDARD ADVANCES
AT THE BEGINNING OF
THE NEXT FY
NO OF
-1738 973 547 398 180 -2678.00 1481 840 568 211.00
BORROWERS
DOWNGRADATIONS
OF RESTRUCTURED AMOUNT
5 -247.48 -60.17 322.56 64.38 79.28 -1984.82 838.03 1254.40 277.06 384.67
ACCOUNTS DURING OUTSTANDING
THE FY
PROVISION
-8.66 -115.14 118.09 64.38 58.67 -69.47 -280.01 539.52 260.11 450.16
THEREON
NO OF
4439 530 74 40 5083 5097.00 1030 57 17 6201.00
BORROWERS
WRITE OFFs OF
RESTRUCTURED AMOUNT
6 1210 -186 504 102 1628.92 -1156.55 -942.00 928 107 -1027.04
ACCOUNTS DURING OUTSTANDING
THE FY
PROVISION
115 -64 136 103 289 69 -387 343 112 137
THEREON
NO OF
28238 2438 3196 1326 35198 36573.00 4505 7520.00 3840.00 52438.00
BORROWERS
RESTRUCTURED
ACCOUNTS AS ON AMOUNT
7 19161.84 370.53 920.99 197.77 20651.12 26645.40 2570.59 2564.49 683.35 32463.82
MARCH 31 OF THE FY OUTSTANDING
(CLOSING FIGURES)
PROVISION
670.66 58.86 502.28 197.71 1429.51 932.59 396.97 1452.75 663.77 3446.07
THEREON

157
4.4.3 Axi ml:xUcl M sL Mml mipiMUh / Mml 4.4.3 Details of nancial assets sold to Securitization/
ml:xUcl M oc aD ur Axir M uuUh: Reconstruction Company for Asset Reconstruction:
(` MUQ q) (` In Crore)

uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

i. Zi M xZr 66 60 i. No. of accounts 66 60

ii. Lxx / AUx M oc ar ii. Aggregate value (net of

Zi M xqa qsr (lus provisions) of accounts
mukl) 497.51 709.96 sold to SC/RC 497.51 709.96

iii. xqa miTs* 906.00 1166.36 iii. Aggregate consideration* 906.00 1166.36

iv. mu M uw q AiUi iv. Additional consideration

Zi M xok q uxs realized in respect of
Mr ar AiU accounts transferred in
miTs sa lW sa lW earlier years NA NA

v. lus oW qsr mU v. Aggregate Gain over Net

xqa sp 408.49 456.40 Book Value 408.49 456.40

4.4.4 ZUS / oc aD AleM ur Axir M uuUh: 4.4.4 Details of non-performing nancial assets
purchased / sold:

M) ZUS aD AleM ur Axir M uuUh A. Details of non-performing nancial assets

purchased
(` MUQ q) (` In Crore)
uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014
1 M. uw M SUl zlr zlr
1 a. No. of accounts NIL NIL
ZUS ar Zi
purchased during
M xZr
the year

Z. xqa sa lW sa lW b. Aggregate NA NA
miTs consideration

2. M. Elq x uw M sa lW sa lW 2. a. Of these, number of NA NA

SUl ml xUclMi accounts restructured
Zi M xZr during the year

Z. xqa oMr sa lW sa lW b. Aggregate outstanding NA NA

158
Z) oc ar AleM ur Axir M uuUh: B. Details of non-performing nancial assets sold
(` MUQ q) (` In Crore)

uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

i. oc ar Zi M xZr 66 60 i. No. of accounts sold 66 60

ii. xqa oMr 1200.11 1479.74 ii. Aggregate outstanding 1200.11 1479.74

iii. mmi xqa 906.00 1166.36 iii. Aggregate consideration 906.00 1166.36
miTs received

4.4.5 mipiMi Mqmlr (Lx x) / mlxUci Mqmlr (AU x) M AleM ur Axir oc el:
(` MUQ q)

LlmL U xqji AilWi M iU mU

LlmL U AilWi M iU
uuUh Alr oM/ur xxjl/aU oMa Ms
mU oM U oc ar
ur Mqmlr U oc ar

mipi UxS q mNs uiql mNs uiql mNs uiql

luz M oW qsr uw uw uw uw uw uw

709.96 497.51 zlr zlr 709.96 497.51

4.4.5 Sale of non-performing assets (NPAs) to Securitisation Company (SCs)/Reconstruction

Companies (RCs).
(` In Crore)

Backed by NPAs sold by other

Backed by NPAs sold by banks/ nancial institutions/ non
Particulars Total
the Bank as underlying banking nancial companies as
underlying

Book value
Previous Current Previous Current Previous Current
of investments in
year year year year year year
security receipts

709.96 497.51 Nil Nil 709.96 497.51

159
4.4.6 qlM Axi xok mukl: 4.4.6 Provisions on Standard Asset:
(` MUQ q) (` In Crore)

uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

qlM Axir mU 1870.25 1715.38 Provisions towards Standard 1870.25 1715.38

mukl Assets

4.5 MUoU Almi: 4.5 Business Ratios:

uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

i. Mrzs lk M 8.88 8.80 i. Interest income as a 8.88 8.80

mizi M m q ore percentage to Working
Ar (%) Funds (%)

ii. Mrzs lk M 0.92 0.87 ii. Non-interest income as 0.92 0.87

mizi M m q aU-ore a percentage to Working
Ar (%) Funds (%)

iii. Mrzs lk M 1.41 1.51 iii. Operating Prot as a 1.41 1.51

mizi M m q percentage to Working
mUcsliqM sp (%) Funds (%)

iv. Axir mU miTs (%) 0.55 0.54 iv. Return on Assets (%) 0.55 0.54

v. mi MqcU MUoU (eq 1435.02 1438.38 v. Business (Deposits plus 1435.02 1438.38
ij Aaq M qsMU) Advances) per employee
[` sZ q] [` in lakhs]

vi. mi MqcU sp 0.05 0.05 vi. Prot per employee 0.05 0.05
[` MUQ q] [` in crore]

160
4.6 Axi Sri mokl:
Axi ij Sri M MNM qS M mUmYui xum: (` MUQ q)
uSz qS uSz qS
uuUh eq Aaq luz EkU Axir SriL
1 Sl 4072.31 17135.04 211.25 1100.00 3600.93 860.24
(5866.00) (9488.00) (237.97) (3000.00) (1532.26) (1239.95)
2 x 07 Sl iM 15662.94 11513.17 2500.00 287.48 1744.34 3886.11
(26984.00) (13636.00) (549.02) (1936.43) (3461.26) (3305.22)
8 x 14 Sl iM 12729.60 8622.58 5.00 0.00 3073.59 3287.62
(12565.00) (11119.00) (55.63) (275.61) (1475.28) (1410.29)
15 x 28 Sl iM 16211.67 14575.33 347.54 446.06 2564.25 2205.90
(14254.00) (16231.00) (630.41) (149.79) (2271.01) (1492.02)
29 Sl x 3 qWl iM 46182.82 28135.10 6867.80 3740.43 9798.76 11351.41
(41560.00) (20701.00) (2406.82) (2261.38) (7551.54) (7586.70)
3 qWl x 6 qWl iM 38531.94 20837.77 3394.47 1347.27 4882.25 7781.87
(35584.00) (21463.00) (1340.02) (2158.69) (6054.11) (9633.45)
6 qWl x 1 uw iM 132437.70 47128.30 5081.73 1726.27 10926.29 9678.39
(128792.00) (40135.00) (2227.65) (1265.20) (8566.44) (4805.09)
1 uw x 3 uw iM 167375.63 82604.60 16868.52 5984.34 6240.47 1506.87
(129055.00) (76365.00) (12332.09) (5735.17) (3825.78) (5279.81)
3 uw x 5 uw iM 21443.81 35902.27 32567.18 3450.09 2874.14 4041.56
(11232.00) (27975.00) (30092.29) (4358.77) (1972.76) (3026.43)
5 uw x FmU 19191.68 63581.35 77502.69 7589.60 3561.01 4666.06
(14832.00) (63954.00) (76998.41) (6089.60) (2306.04) (1237.52)
Ms 473840.10 330035.51 145346.18 25671.57 49266.03 49266.03
(420724.00 (301067.00) (126870.31) (27230.64) (39016.48) (39016.48)
(mNs uw x xoki AMQ MM q Sr aL W)
(rj mokl U xMsi u mqhMi ij sZ mUM U Ai)

4.6 Asset Liability Management:

Maturity pattern of certain items of assets and liabilities: (` in Crore)
Foreign Currency Foreign Currency
Particulars Deposits Advances Investments Borrowings Assets Liabilities
1 day 4072.31 17135.04 211.25 1100.00 3600.93 860.24
(5866.00) (9488.00) (237.97) (3000.00) (1532.26) (1239.95)
2 to 7 days 15662.94 11513.17 2500.00 287.48 1744.34 3886.11
(26984.00) (13636.00) (549.02) (1936.43) (3461.26) (3305.22)
8 to 14 days 12729.60 8622.58 5.00 0.00 3073.59 3287.62
(12565.00) (11119.00) (55.63) (275.61) (1475.28) (1410.29)
15 to 28 days 16211.67 14575.33 347.54 446.06 2564.25 2205.90
(14254.00) (16231.00) (630.41) (149.79) (2271.01) (1492.02)
29 days to 3 months 46182.82 28135.10 6867.80 3740.43 9798.76 11351.41
(41560.00) (20701.00) (2406.82) (2261.38) (7551.54) (7586.70)
3 months to 6 months 38531.94 20837.77 3394.47 1347.27 4882.25 7781.87
(35584.00) (21463.00) (1340.02) (2158.69) (6054.11) (9633.45)
6 months to 1 year 132437.70 47128.30 5081.73 1726.27 10926.29 9678.39
(128792.00) (40135.00) (2227.65) (1265.20) (8566.44) (4805.09)
1 year to 3 years 167375.63 82604.60 16868.52 5984.34 6240.47 1506.87
(129055.00) (76365.00) (12332.09) (5735.17) (3825.78) (5279.81)
3 years to 5 years 21443.81 35902.27 32567.18 3450.09 2874.14 4041.56
(11232.00) (27975.00) (30092.29) (4358.77) (1972.76) (3026.43)
Over 5 years 19191.68 63581.35 77502.69 7589.60 3561.01 4666.06
(14832.00) (63954.00) (76998.41) (6089.60) (2306.04) (1237.52)
Total 473840.10 330035.51 145346.18 25671.57 49266.03 49266.03
(420724.00 (301067.00) (126870.31) (27230.64) (39016.48) (39016.48)
(Figures in brackets relate to previous year)
(As compiled and certied by the management and relied upon by the auditors)

161
4.7 Gh eZq:
4.7.1 xjuU xmS q Gh eZq:
(` MUQ q)
h 31.03.2015 31.03.2014
M) mir Gh eZq 21622.52 17039.39
Auxr okM 18019.93 14210.20
- Auxr xmii M okM U Gh mh m x xUi W e EkUMi U ApaWi Mr eLa
r MUL mU Sr ar W |
- exq x urai Aux Gh mjqMi Aaq q zqs ML el M sL m W 9071.83 8984.47
(ii) uherM xjuU xmS 3601.96 2828.19
- uherM xjuU xmS mU okM M U xUi EkU (Mrsr pul, UOs xmx, oW Ezr
uherM mUxU, oW mUuU lux pul, AaM r urUWEx xjl, WOs, pq Ael, uMx
u xUcl AS)| eZq q aU-lk AkUi xq p zqs W|
(iii) okM xqji mipi (LqoLx) q luz ij Alr mipi Gh eZq 0.63 1.00
M. Auxr 0.63 1.00
Z. uherM xjuU xmS zlr zlr
Z) Amir Gh eZq 7808.02 9515.30
Ur Aux oM (LlLco) ij Aux u Mmlr (LcLTx) xok lk AkUi ij aU 7808.02 9515.30
lk AkUi Gh eZq
xjuU xmS M Ms Gh eZq 29430.54 26554.69
(rj mokl U xMsi u mqhMi ij sZ mUM U Ai)

4.7 Exposures:
4.7.1 Exposure to Real Estate Sector:
(` in Crore)
Category 31.03.2015 31.03.2014
a) Direct Exposure 21622.52 17039.39
(i) Residential Mortgages 18019.93 14210.20
- lending fully secured by Mortgages on residential property that is or will be occupied
by the borrower or that is rented
- Of which, individual Housing Loans eligible for inclusion in priority sector advances 9071.83 8984.47
(ii) Commercial Real Estate 3601.96 2828.19
- Lending secured by mortgages on commercial real estates (ofce buildings, retail
space, multi-purpose commercial premises, multi-family residential buildings, multi-
tenanted commercial premises, industrial or warehouse space, hotels, land acquisition,
development and construction, etc). Exposure also include non-fund based (NFB) limits.
(iii) Investments in Mortgage Backed Securities (MBS) and other securitized exposures - 0.63 1.00
a. Residential 0.63 1.00
b. Commercial Real Estate NIL NIL
b) Indirect Exposure 7808.02 9515.30
Fund based and non-fund based exposures on National Housing Bank (NHB) and Housing 7808.02 9515.30
Finance Companies (HFCs)
Total Exposure to Real Estate Sector 29430.54 26554.69
(As compiled and certied by the management and relied upon by the auditors)

162
4.7.2 me oeU q Gh eZq:
(` MUQ q)

uuUh 31.03.2015 31.03.2014

i. DYuO zrU, mUuilr okm, mUuilr QocU AU DYuO ElqZ mUxmU lkr q 1281.39 1064.79
mir luz exM AUpM lk lii m x MUmUO Gh q lu lW M aD

ii. zrU / oQ / QocU r Alr mipir M Lue q r oeqli AkU mU zrU 10.30 zlr
(ADmA/DLxmA xWi), mUuilr oQ, mUuilr QocU ij qrcAs TQ ElqZ
DYuO CMDr q luz Wi urr M Sr ar Aaq

iii. Mx Alr mrel M sL Aaq eW zrU r mUuilr okm r mUuilr QocU r 61.40 673.58
DYuO ElqZ mUxmU lkr M CMDr M mjqM mipi M m q sr ar W |

iv. Aaq r mUuilr okm r mUuilr DYuO ElqZ mUxmU lk M CMDr M 77.00 zlr
xmM mipi U mipi Mr el iM Mx Alr mrel M sL Aaq rl zrU
/ mrel oQ / mUuilr QocU / DYuO ElqZ mUxmU lkr M CMDr M NQMU
mjqM mipi Aaq M mhir muUi lW MUi |

v. xOM oMU M mipi AU Amipi Aaq AU xOM oMU ij umh lqiA M m 662.27 730.70
q lai aUOr

vi. xi M LMi MUl M mirz q lD Mmlr q DYuO MUl M sL mreM M 0.10 zlr
AzSl mU MUl M sL zrU / oQ / QocU M mipi q r Alr mipir M mipi
M Lue q r ozir MmUO M xuMi Aaq |

vii. mirzi DYuO muW / CzrA M Lue q Mmlr M mUM Gh | NIL zlr

viii. zrU r mUuilr okm r mUuilr QocU r DYuO ElqZ mUxmU lk M rlO M NIL zlr
AUpM Czr M qqs q oM U s aD WqSU ucloir |

ix. qel urmU M sL xOM oMU M u mwh NIL zlr

x. ucU me lkr q xU eZq meMi AU AmeMi, Sl me oeU q Ms eZq 363.96 411.15

me oeU M Ms Gh eZq 2456.42 2880.22

163
4.7.2 Exposure to Capital Market:
(` in Crore)

Particulars 31.03.2015 31.03.2014

i. Direct Investment in Equity Shares, convertible bonds, convertible debentures 1281.39 1064.79
and units of equity oriented mutual funds the corpus of which is not exclusively
invested in corporate debt.

ii. Advances against shares/bonds/debentures or other securities or on clean basis 10.30 NIL
to individuals for investment in shares (including IPOs/ESOPs), convertible bonds,
convertible debentures and units of equity oriented mutual funds.

iii. Advances for any other purposes where shares or convertible bonds or convertible 61.40 673.58
debentures or units of equity oriented mutual funds are taken as primary security.

iv. Advances for any other purposes to the extent secured by the collateral security of 77.00 NIL
shares or convertible bonds or convertible debentures or units of equity oriented
mutual funds i.e. where the primary security other than shares/convertible bonds/
convertible debentures/units of equity oriented mutual funds does not fully cover
the advances.

v. Secured and unsecured advances to stockbrokers and guarantees issued on behalf 662.27 730.70
of stock brokers and market makers

vi. Loans sanctioned to corporate against the security of shares/bonds/debentures 0.10 NIL
or other securities or on clean basis for meeting promoters contribution to the
equity of new companies in anticipation of raising resources.

vii. Bridge loans to companies against expected equity ows/issues NIL NIL

viii. Underwriting commitments taken up by the Banks in respect of primary issue of NIL NIL
shares or convertible bonds or convertible debentures or units of equity oriented
mutual funds

ix. Financing to stockbrokers for margin trading NIL NIL

x. All exposures to Venture Capital Funds (both registered and unregistered) 363.96 411.15

Total Exposure to Capital Market 2456.42 2880.22

164
4.7.3 eZq huU Sz M Gh eZq:
Lx Sz M xSp q eW oM M lus lkM Gh eZq ExM Ms Axir M 1% r erS W i oM M Sz-eZq
M mukl MUl M AuzrMi W| rj 31.03.2015 M rlCOQ MaQq (lahr eZq - L1) u WaMa (lql eZq L2 -
h) M xj oM M lus lkM Gh eZq CxM Ms Axir M 1% x erS WA W ij AuzrM mukl olr ar
W|
(` MUQ q)
rj 31.03.2015 rj 31.03.2015 rj 31.03.2014
rj 31.03.2014
eZq h M Gh eZq M kUi M Gh eZq
M kUi mukl
(lus) mukl (lus)

lahr 12659.96 6.17 10775.60 zlr

Mq 20367.49 8.12 21876.47 6.84

xqlr 1568.85 zlr 2223.46 zlr

E 7.05 zlr 82.19 zlr

oWi erS 96.61 zlr 0.87 zlr

mioki 0.00 zlr 0.00 zlr

BT- QO 2.73 zlr 1.75 zlr

Ms 34702.69 14.29 34960.34 6.84

4.7.3 Risk Category-wise Country Exposure:

In respect of the Country for which the Banks net funded exposure is 1% or more of its total assets, the Bank is
required to make provision for Country Risk. As on 31.03.2015 in the case of United Kingdom (Insignicant Risk
A1) & Hong Kong ( Low Risk category A2) the Net funded exposure exceeds 1% of the total assets, for which the
required provision is made.
(` in Crore)
Exposure (net) Provision held Exposure (net) Provision held
Risk Category as at as at as at as at
31.03.2015 31.03.2015 31.03.2014 31.03.2014
Insignicant 12659.96 6.17 10775.60 NIL
Low 20367.49 8.12 21876.47 6.84
Moderate 1568.85 NIL 2223.46 NIL
High 7.05 NIL 82.19 NIL

Very High 96.61 NIL 0.87 NIL

Restricted 0.00 NIL 0.00 NIL

Off-credit 2.73 NIL 1.75 NIL

TOTAL 34702.69 14.29 34960.34 6.84

165
4.7.4 oM U u M ar LMs EkUMi xq (LxeLs)
ij xqW EkUMi xq (eoLs) M uuUh:
oM M Mx p xqW Zi M qqs q lkUi uuMmh
Gh eZq xq x AkM lW W ij AkUpi xUcl
mUrelA q r Brs Mmlr M sL LMs EkUMi
M lrei Mr ar W |
4.7.4 Details of Single Borrower Limit (SGL) / Group
Borrower Limit (GBL) exceeded by the Bank:
The Bank has not exceeded the prudential credit
exposure limits prescribed for group accounts and
single borrower engaged in infrastructure projects
or for Oil Companies.

4.7.5 aU eqli Aaq: 4.7.5 Unsecured Advances:

(` MUQ q) (` in Crore)

uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

Ms aU eqli Aaq 56736.25 49002.74 Total Unsecured Advance 56736.25 49002.74

exq x Out of which

i) xmM M m q oM mU
mpUi Aqi mipir ex
AkMU, sCxx, mkMUh
AS M mpU mU oMr Aaq
M Uz
5094.56 4863.02 i) Amount of advances 5094.56 4863.02
outstanding against charge
over intangible securities
such as rights, licenses,
authorizations etc. charged
to the Bank as collateral

ii) Lx Aqi mipir 7689.29 9276.59 ii) The estimated value of such 7689.29 9276.59
(E (i) M AlxU) M intangible securities (as in (i)
xpui qsr above)

(rj mokl U xMsi ij sZ mUM U Ai) (As Compiled by Management and relied upon by Auditor)

4.8 uuk: 4.8. Miscellaneous:

4.8.1 uw M SUl ArMU Wi Mr ar mukl M Uz:
uuUh
ArMU Wi mukl 795.00
(xm MU ij Axjai
MU xWi)
4.8.2 pUir Ueu oM U sar
sar ar SQ M mMOMUh:
ur uw 2014-15 M SUl oM ulrq Aklrq, 1949
M kU 47L(1)(x) M xj mPlr kU 47A(1) ij Tq
M kU 11 M Em kU (3) M AlxU pUir Ueu oM
U ulS lrq r zi M Almsl lW ML el M
sL oM mU `0.10 MUQ M SQ sar ar W| oM l
SlM 04.08.2014 M pUir Ueu oM M `0.10 MUQ
M E SQ Uz mSl Mr W |
5. sZMl qlSQ:
pUir xlS sZMU xxjl U eU Mr aL uuk
sZMl qlSQ M iWi mMOMUh AmA M xok q
pUir Ueu oM U eU Mr aL SzlSz M Almsl
q, lqlsZi xcl M mMOMUh Mr ei W:
4.8.1 Amount of Provisions made for Income Tax during
the year:
(` MUQ q) (` in Crore)
31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014
625.00 Provision for Income Tax 795.00 625.00
(including Wealth tax and
Deferred tax)
4.8.2 Disclosure of Penalties imposed by RBI:
During the nancial year 2014-15, the Bank has
been subjected to an aggregate penalty of Rs 0.10
Crore in terms of Section 47A(1) of the Banking
Regulation Act, 1949 for non compliance of the
Reserve Bank of India instructions. Bank has paid
penalty amount of Rs.0.10 Crore to Reserve Bank of
India on 04.08.2014.
5. Accounting Standards:
In compliance with the guidelines issued by the
RBI regarding disclosure requirements of the
various Accounting Standards issued by Institute of
Chartered Accountants of India (ICAI), the following
information is disclosed:

166
5.1 sZMl qlSQ 5 - lS Auk M sL lus
sp / Wl, muuk qS AU sZMl lir q
mUuil:
CxM mWs M Auk M MD qS lW W |
5.2 sZMl qlSQ 15 - MqcU Wisp
EmSl, mzl ij uzwkMU N SriA M uiql
qsr AU oM M raSl M lkUh MUl M sL up
qlM M lkUi MU lqlsZi M sL oqMM
Alql Mr aL W :
- qSxTi, uUi, mSi AU ClxOO BT cOQ
AMElOOx BT CQr U eU Mr aL sZMl
qlSQ 15(xzki) M Alr bOM M krl q UZi
WL uil q oRU M ei W |
- uai uw AU mirzi puwr M Alpu M xSp q
x SU AU Cxq qir M NQMU Alr xp AWUh
sMl uMsai M MUh WL AWUh zqs W |
- Axuxji AuMz M sL sZ-oW q mukl lW
olL aL W YrM CxM lMSMUh lW Mr e
xMi W, eo MD MqcU Axuxji AuMz si
W i Ex MqcU M oSs q MD AiU MqcU
mSl lW Mr ei W ij Axuxji AuMz M
sL MD Lue pail lW Mr ei W |
5.1 Accounting Standard 5 Net Prot/Loss for
the period, prior period items and changes in
accounting policies:
There are no material prior period items
5.2 Accounting Standard 15 Employee Benets
The actuarial assumptions in respect of gratuity,
pension and privilege leave, for determining the
present value of obligations and contributions
of the bank, have been made by xing various
parameters for
- Salary escalation by taking into account
ination, seniority, promotion and other factors
mentioned in Accounting Standard 15(Revised)
issued by ICAI.
- Attrition rate by reference to past experience
and expected future experience and includes
all types of withdrawals other than death but
including those due to disability.
- Provision towards sick leave has not been
made in the books of account due to the reason
that the same is not encashable, no additional
staff being provided when an employee avails
sick leave and there will not be any pay out on
account of sick leave.

qskl oqMM Alql

uuUh EmSl mzl uzwkMU N
Urri SU 8.00% 8.00% 8.00%
Axir mU mirzi UOl 9.15% 9.15% zlr
uil q oRU 5.50% 5.50% 5.50%
mzl q oRU zlr 2.00% zlr
AD L Ls Lq AD L Ls Lq AD L Ls Lq
qir SU
(2006-08) AkUpi (2006-08) AkUpi (2006-08)AkUpi

Principal Actuarial Assumptions

Particulars Gratuity Pension Privilege Leave
Discount Rate 8.00% 8.00% 8.00%
Expected Return on Assets 9.15% 9.15% NIL
Salary Escalation 5.50% 5.50% 5.50%
Pension Escalation NIL 2.00% NIL
Mortality IALM (2006-08) IALM (2006-08) IALM (2006-08)
Ultimate Ultimate Ultimate

167
Sriu ij Axir q 31 qc, 2015 M xqmi uw M SUl mUuil
(` MUQ q)
M. mUpwi Sriu sp q mUuil
EmSl mzl uzwkMU N
1 uw M zAi q Q o A 1610.34 9035.86 724.22
2 xu sai 37.88 182.60 35.91
3 ore sai 138.28 805.27 66.99
4 oqMM Wlr / (sp) 108.81 269.80 (26.74)
5 sp pail (230.77) (660.39) zlr
6 uw M Ai q Q o A 1664.54 9633.14 800.38

Z. Axir M Eci qsr q mUuil EmSl mzl uzwkMU N

1 uw M zAi q relai Axir M Eci qsr 1567.50 8896.09 -
2 relai Axir mU mirzi UOl 140.91 800.69 -
3 uxiuM Mml AzSl 175.68 369.54 -
4 oqMM sp / (Wlr) (135.52) (205.77) -
5 sp pail (230.77) (660.39) -
6 uw M Ai q relai Axir M Eci qsr 1517.79 9200.16 -

Change in obligation and assets over the year ending 31 Mar 2015
(` in Crore)
A Changes in Dened Benet Obligation (DBO)
Gratuity Pension Privilege Leave
1 DBO at beginning of the year 1610.34 9035.86 724.22
2 Service Cost 37.88 182.60 35.91
3 Interest Cost 138.28 805.27 66.99
4 Actuarial Losses / (Gains) 108.81 269.80 (26.74)
5 Benet Payments (230.77) (660.39) Nil
6 DBO at end of the year 1664.54 9633.14 800.38

(` in Crore)
B Changes in Fair Value of Assets Gratuity Pension Privilege Leave
1 Fair Value of Plan Assets at beginning of the year 1567.50 8896.09 -
2 Expected Return on plan assets 140.91 800.69 -
3 Actual company contributions 175.68 369.54 -
4 Actuarial Gain / (Loss) (135.52) (205.77) -
5 Benets payments (230.77) (660.39) -
6 Fair Value of Plan Assets at the end of the year 1517.79 9200.16 -

168
Alpuai CiWx
(` MUQ q)
EmSl mzl uzwkMU N
1 uw M Ai q mUpwi Sriu sp 1664.54 9633.14 800.38
2 uw M Ai q relai Axir 1517.79 9200.16 -
3 lkrl xji (146.75) (432.99) (800.38)
4 relai SriA q Alpuai xqrel 61.98 260.77 (133.13)
5 relai Axir q Alpuai xqrel (135.52) (205.77) -

Experience History
(` in Crore)
Gratuity Pension Privilege Leave
1 Dened Benet Obligation at end of the year 1664.54 9633.14 800.38
2 Plan Assets at end of the year 1517.79 9200.16 -
3 Funded Status (146.75) (432.99) (800.38)
4 Experience adjustments on plan liabilities 61.98 260.77 (133.13)
5 Experience adjustments on plan assets (135.52) (205.77) -

(` MUQ q)
rj 31 qc, 2015 M islm q qlri mmi lus Axi / Sri
EmSl mzl uzwkMU N
1 Sriu sp M uiql qsr 1664.54 9633.14 800.38
2 relai Axir M Eci qsr 1517.79 9200.16 -
3 lkrl xji (Akzw / (bO) (146.75) (432.99) (800.38)
4 islm q qlri mmi lus Axi / (Sri) (146.75) (432.99) (800.38)

(` in Crore)
Net Asset (Liability) Recognized in Balance Sheet - 31 March 2015
Gratuity Pension Privilege Leave
1 Present value of Dened Benet Obligation 1664.54 9633.14 800.38
2 Fair Value of Plan Assets 1517.79 9200.16 -
3 Funded Status [Surplus/(Decit)] (146.75) (432.99) (800.38)
4 Net Asset / (Liability) recognized in the Balance Sheet (146.75) (432.99) (800.38)

169
31 qc, 2015 M xqmi uw M sL lr urr mMOl
(` MUQ q)
lr urr M bOM
EmSl mzl uzwkMU N
1 uiql xu sai (mhir oqMi xukA M sL
eZq mqrq xWi) 37.88 182.61 35.91
2 ore sai 138.28 805.27 66.99
3 relai Axir q mirzi UOl (140.91) (800.69) -
4 oqMM Wlr / (sp) 244.33 475.56 (26.74)
5 sp-Wl Zi q qlri mmi Ms lr urr 279.75 662.75 76.16

Disclosure of Employer Expense for the year ending 31 Mar 2015

(` in Crore)
Components of Employer Expense
Gratuity Pension Privilege Leave
1 Current Service Cost (including risk premiums for
fully insured benets) 37.88 182.61 35.91
2 Interest Cost 138.28 805.27 66.99
3 Expected Return on Plan Assets (140.91) (800.69) -
4 Actuarial Losses / (Gains) 244.33 475.56 (26.74)
5 Total Employer Expense recognized in P&L 279.75 662.75 76.16

islm q qlri mmi lus Axi / Sri - 31 qc, 2015

(` MUQ q)
EmSl mzl uzwkMU N
1 Sriu M uiql qsr 1664.54 9633.14 800.38
2 relai Axir M Eci qsr 1517.79 9200.16 -
3 lkrl xji (Akzw / (bO) (146.75) (432.99) (800.38)
4 islm q qlri mmi lus Axi / (Sri) (146.75) (432.99) (800.38)

Net Asset/(liability) Recognised in Balance Sheet - 31 Mar 2015

(` in Crore)
Gratuity Pension Privilege Leave
1 Present value of Dened Benet Obligation 1664.54 9633.14 800.38
2 Fair Value of Plan Assets 1517.79 9200.16 -
3 Funded Status [Surplus / (Decit)] (146.75) (432.99) (800.38)
4 Net Asset / (Liability) recognized in the Balance Sheet (146.75) (432.99) (800.38)

170
uw xqml 31.03.2015 Wi oslx zO q mkMi lus Axir / SriA M xqkl
(` MUQ q)

EmSl mzl uzwkMU N

1 Auk M AUp q lus Axi/(Sri) (42.84) (139.77) (724.22)

lr urr
2 278.59 662.75 76.16

lr AzSl
3 175.68 369.54 -

AkaWh / MUoU xrel

4 - - -

Auk M xqml mU lus Axi / (Sri)

5 146.75 432.99 800.38

Reconciliation of Net Assets/Liabilities recognized in Balance Sheet for the year ended 31.03.2015
(` in Crore)

Gratuity Pension Privilege Leave

1 Net Asset/(Liability) at the beginning of the period (42.84) (139.77) (724.22)

2 Employer Expenses 278.59 662.75 76.16

3 Employer Contributions 175.68 369.54 -

4 Acquisitions/Business Combinations - - -

5 Net Asset/(Liability) at the end of the period 146.75 432.99 800.38

171
5.3 sZMl qlSQ- 17
17-
- ZQ UmOa:
pa M - MUoU ZQ: (` MUQ q)
xqmi uw
MUoU ZQ
31.03.2015 31.03.2014
(M) ZQ Uexu
1 UeMw mUcsl 12201.37 11079.17
2 ZSU oMa mUcsl 12582.47 10788.38
3 jM oMa mUcsl 22818.09 20806.56
4 Alr oMa mUcsl 0.00 0.00
5 aU AuOi 698.36 806.26
Ms 48300.29 43480.37
(Z) ZQ mUhq
1 UeMw mUcsl 1569.12 1463.00
2 ZSU oMa mUcsl 1221.35 1722.43
3 jM oMa mUcsl 3548.66 2946.74
4 Alr oMa mUcsl 0.00 0.00
Ms 6339.13 6132.17
(a) aU AuOi Ar / urur 611.24 664.02
(b) mUcsl sp 6950.37 6796.19
(X) mukl AU AMxqMiL 3452.74 3733.00
(c) Ar MU 795.00 625.00
(N) lus sp 2702.63 2438.19
(e) ZQ Axir *

1 UeMw mUcsl 192632.54 167100.83

2 ZSU oMa mUcsl 117466.87 99619.98
3 jM oMa mUcsl 217195.46 209370.03
4 Alr oMa mUcsl 0.00 0.00
5 aU AuOi Axir 15299.84 10332.76
Ms 542594.71 486423.60
(f)) ZQ SriL
1 UeMw mUcsl 50848.56 51466.11
2 ZSU oMa mUcsl 251281.63 183552.33
3 jM oMa mUcsl 183254.51 199789.78
4 Alr oMa mUcsl 0.00 0.00
5 aU AuOi SriL 30756.63 27493.52
6 me AU AUi lkr* 26453.38 24121.86
Ms 542594.71 486423.60
( mlqsrMl AUi lk M NQMU)
*

172
5.3 Accounting Standard-17 -Segment Reporting:
Part A Business Segment:
(` in Crore)
Year ended
BUSINESS SEGMENT
31.03.2015 31.03.2014
(a) Segment Revenue
1 Treasury Operations 12201.37 11079.17
2 Retail Banking Operations 12582.47 10788.38
3 Wholesale Banking Operations 22818.09 20806.56
4 Other Banking Operations 0.00 0.00
5 Unallocated 698.36 806.26
Total 48300.29 43480.37
(b) Segment Results
1 Treasury Operations 1569.12 1463.00
2 Retail Banking Operations 1221.35 1722.43
3 Wholesale Banking Operations 3548.66 2946.74
4 Other Banking Operations 0.00 0.00
Total 6339.13 6132.17
(c) Unallocated Income/Expenses 611.24 664.02
(d) Operating Prot 6950.37 6796.19
(e) Provisions and Contingencies 3452.74 3733.00
(f) Income Tax 795.00 625.00
(g) Net Prot 2702.63 2438.19
(h) Segment Assets*
1 Treasury Operations 192632.54 167100.83
2 Retail Banking Operations 117466.87 99619.98
3 Wholesale Banking Operations 217195.46 209370.03
4 Other Banking Operations 0.00 0.00
5 Unallocated Assets 15299.84 10332.76
Total 542594.71 486423.60
(i) Segment Liabilities
1 Treasury Operations 50848.56 51466.11
2 Retail Banking Operations 251281.63 183552.33
3 Wholesale Banking Operations 183254.51 199789.78
4 Other Banking Operations 0.00 0.00
5 Unallocated Liabilities 30756.63 27493.52
6 Capital and Reserves* 26453.38 24121.86
Total 542594.71 486423.60
(* Excluding Revaluation Reserve)

173
pa Z: pasM ZQ:
(` MUQ q)
xqmi uw
pasM ZQ
31.03.2015 31.03.2014
M Sz mUcsl
Uexu 47101.13 42431.73
Axir 494678.72 449034.29
Z uSz mUcsl
Uexu 1199.16 1048.64
Axir 47915.99 37389.31
a Ms
Uexu 48300.29 43480.37
Axir* 542594.71 486423.60
(*mlqsrMl AUi lk M NQMU)
Cx pUir Ueu oM qxOU mUm QoAQ.om.ox x.8/21.04.018/204-5 SlM 01.07.2014 M AlxU irU Mr ar W|

Part B Geographical Segment:

(` in Crore)
Year ended
GEOGRAPHICAL SEGMENT
31.03.2015 31.03.2014
A Domestic Operations
Revenue 47101.13 42431.73
Assets 494678.72 449034.29
B International Operations
Revenue 1199.16 1048.64
Assets 47915.99 37389.31
C Total
Revenue 48300.29 43480.37
Assets* 542594.71 486423.60
(* Excluding Revaluation Reserve)
This has been prepared in terms of RBI Master Circular : DBOD.BP.BC No.8/21.04.018/2014-15 Dated 01.07.2014.

5.4 sZMl qlSQ-18 - xoki mO mMOMUh: xoki
mOr M lq AU oM M xj ElM xok - mkl -
MlU oM
5.4.1 qWiumh mokl MqM -
i) u Lx MwhMqU, MrmsM lSzM
ii) mql xW Uui, MrmsM lSzM
iii) WUSzMqU o, MrmsM lSz
(11.03.2015 x)
iv) Ueu MzU So, Akr u mok lSzM
(30.09.2014 iM)
v) AzM MqU ami, MrmsM lSzM
(31.10.2014iM)
5.4 Accounting Standard-18 - Related Party
Disclosures: Names of Related parties and their
relationship with the Bank - Parent - Canara Bank
5.4.1 Key Management Personnel
i) Shri. V S Krishnakumar, Executive Director
ii) Shri. Pradyuman Singh Rawat, Executive
Director
iii) Shri. Harideesh Kumar B, Executive Director
(from 11.03.2015)
iv) Shri. R K Dubey, Chairman & Managing
Director (till 30.09.2014)
v) Shri. Ashok Kumar Gupta, Executive Director
(till 31.10.2014)

174
5.4.2 mkl 5.4.2 Parent
i) MlU oM i) Canara Bank

5.4.3 Alwar 5.4.3 Subsidiaries

i) MloM Tllzrs xuxx s. i) Canbank Financial Services Ltd.
ii) MloM ucU MmOs TQ s. ii) Canbank Venture Capital Fund Ltd.
iii) Canbank Factors Ltd.
iii) MloM TYOx s.
iv) Canara Robecco Asset Management Company
iv) MlU UoM Axi mokl Mml s. Ltd.
v) MloM MmrOU xuxx s. v) Canbank Computer Services Ltd.
vi) MlU oM xYrUOe s. (mWs asO xYrUOe vi) Canara Bank Securities Ltd. (formerly GILT
OQa MmUzl s. j) Securities Trading Corpn.Ltd)
vii) MlU Lc Lx o x AULlOs oM BT Mqx vii) Canara HSBC Oriental Bank of Commerce Life
sDT ClzrUlx Mml s. Insurance Company Ltd

5.4.4 Joint Ventures

5.4.4 xr Eq i) Commercial Indo Bank LLC., Moscow (formerly
i) Mqzrs CQ oM LsLsx, qxM (muui Commercial Bank of India LLC., Moscow )
Mqzrs oM BT CQr LsLsx, qxM)
5.4.5 Associates
i) Cann Homes Ltd.
5.4.5 xWo xxjL
ii) Commonwealth Trust (India) Ltd.
i) MlTl Wqx sqOQ
iii) Regional Rural Banks sponsored by the Bank
ii) Mqlusj OxO (CQr) sqOQ
a) Pragati Krishna Gramin Bank (Erstwhile
iii) oM U mrei r aqh oM
Pragati Gramin Bank)
M) mai Mwh aqh oM
(pimu mai aqh oM) b) Kerala Gramin Bank (Erstwhile South
Malabar Gramin Bank)
Z) MUs aqh oM
(pimu xFj qsoU aqh oM)
5.4.6 Disclosure about transactions with Key
5.4.6 qWiumh mokl MqM M xj slSl M mMOMUh Management Personnel is as under:
lqlui W:
(i) Remuneration to Key Management Personnel
(i) qWiumh mokl MqM M mUqM - `0.88 MUQ
`0.88 Crore (Previous Year: ` 0.72 Crore)
(mNs uw - `` 0.72 MUQ)
(ii) Staff Housing Loan to Shri P S Rawat (Executive
(ii) mql xW Uui (MrmsM lSzM)
Director) `0.05 Crore (Previous Year `0.07 Crore)
M MqcU Aux Gh `0.05 MUQ (mNs
uw- `0.07 MUQ) In terms of paragraph 5 of AS 18, transactions in the
sZMl qlM 18 M mU 5 M AlxU qWiumh nature of Banker-Customer relationship including
mokl MqM ij ElM xokr M sl-Sl xWi those with Key Management Personnel and relatives
oMU-aWM xok mMi M sl-Sl M mMOMUh lW of Key Management Personnel have not been
Mr ar W | disclosed.

175
5.4.7 Alwar, xWo xxjA Lu xr Eq M xj xuruWU lqlui W: (` MUQ q)
uuUh Alwar xWo qWiumh qWiumh Ms
xxjL u xr MqM mokl MqM mokl M
Eq xok
EkU -
rj uwi M oMr zlr 30.00 30.00
(zlr) (49.40) - - (49.40)
uw M SUl AkMiq oMr zlr 30.00 30.00
(zlr) (49.40) (49.40)
eqL -
rj uwi M oMr 136.98 2063.36 2200.34
(125.91) (1443.18) - - (1569.09)
uw M SUl AkMiq oMr 136.98 2063.36 2200.34
(212.85) (1453.18) (1666.03)
eqA M lrel -
rj uwi M oMr zlr 140.94 140.94
(zlr) (130.32) - - (130.32)
uw M SUl AkMiq oMr zlr 140.94 140.94
(zlr) (130.32) (130.32)
Aaq -
rj uwi M oMr 620.23 2220.58 2840.81
(454.53) (2679.16) - - (3133.69)
uw M SUl AkMiq oMr 620.23 2220.58 2840.81
(454.53) (3135.40) (3589.93
luz -
rj uwi M oMr zlr zlr zlr
(zlr) (zlr) - - (zlr)
uw M SUl AkMiq oMr zlr zlr zlr
(zlr) (zlr) (zlr)
cs Zi q zw -
rj uwi M oMr 14.45 106.05 120.50
(11.82) (512.87) - - (524.67)
uw M SUl AkMiq oMr 14.45 106.05 120.50
(11.82) (512.87) (524.46)
Alr mmr -
rj uwi M oMr 2.03 zlr 2.03
(2.72) (zlr) - - (2.72)
uw M SUl AkMiq oMr 2.03 zlr 2.03
(2.72) (zlr) (2.72)
AiU oM mipai mqhm-
eU ML aL - zlr zlr zlr
rj uwi M oMr (zlr) (zlr) - - (zlr)
zlr zlr zlr
uw M SUl AkMiq oMr (zlr) (zlr) (zlr)
AiU oM mipai mqhm- mipai
ML aL - zlr 744.43 744.43
rj uwi M oMr (zlr) (zlr) (zlr)
- -
uw M SUl AkMiq oMr zlr 744.43 744.43
(zlr) (zlr) (zlr)

176
5.4.7 Transactions with Subsidiaries, Associates and Joint Venture are as under:
(` in Crore)

Particulars Subsidiaries Associates & Key Relatives of Total

Joint Management KMP
Ventures Personnel
(KMP)
Borrowings -
Outstanding as at the year end NIL 30.00 30.00
(NIL) (49.40) - - (49.40)
Maximum outstanding during the year NIL 30.00 30.00
(NIL) (49.40) (49.40)
Deposits-
Outstanding as at the year end 136.98 2063.36 2200.34
(125.91) (1443.18) - - (1569.09)
Maximum outstanding during the year 136.98 2063.36 2200.34
(212.85) (1453.18) (1666.03)
Placement of Deposits
Outstanding as at the year end NIL 140.94 140.94
(NIL) (130.32) - - (130.32)
Maximum outstanding during the year NIL 140.94 140.94
(NIL) (130.32) (130.32)
Advances-
Outstanding as at the year end 620.23 2220.58 2840.81
(454.53) (2679.16) - - (3133.69)
Maximum outstanding during the year 620.23 2220.58 2840.81
(454.53) (3135.40) (3589.93
Investments-
Outstanding as at the year end NIL NIL NIL
(NIL) (NIL) - - (NIL)
Maximum outstanding during the year NIL NIL NIL
(NIL) (NIL) (NIL)
Balance in current account
Outstanding as at the year end 14.45 106.05 120.50
(11.82) (512.87) - - (524.67)
Maximum outstanding during the year 14.45 106.05 120.50
(11.82) (512.87) (524.46)
Other receivable-
Outstanding as at the year end 2.03 NIL 2.03
(2.72) (NIL) - - (2.72)
Maximum outstanding during the year 2.03 NIL 2.03
(2.72) (NIL) (2.72)
Inter Bank Participation Certicate Issued
Outstanding as at the year end NIL NIL NIL
(NIL) (NIL) (NIL)
Maximum outstanding during the year NIL NIL - - NIL
(NIL) (NIL) (NIL)

Inter Bank Participation Certicate NIL 744.43 744.43

Participated (NIL) (NIL) (NIL)
Outstanding as at the year end NIL
- -
(NIL) 744.43 744.43
Maximum outstanding during the year (NIL) (NIL)

177
 Mqzl mmr -
rj uwi M oMr zlr zlr zlr
(zlr) (zlr) - - (zlr)
zlr zlr zlr
uw M SUl AkMiq oMr
(zlr)) (zlr) (zlr)

Alr mmr -
rj uwi M oMr zlr zlr zlr
(zlr) (0.02) (0.02)
zlr zlr - -
uw M SUl AkMiq oMr zlr
(zlr) (0.02) (0.02)

S ore 10.86 104.22 115.08

(13.11) (95.48) - - (108.59)

40.66 236.65 277.31

mmi ore - -
(26.48) (283.59) (310.07)

7.50 zlr 7.50

mmi spz (6.00) (zlr) - - (6.00)

zlr zlr zlr

qrS eqA / eq mqhm M cMi - -
(zlr) (zlr) (zlr)

zlr 4.63 4.63

qrS eqA / eq mqhm M xuMi - -
(10.00) (zlr) (10.00)

62.39 zlr 62.39

mS mqrq - -
(98.74) (zlr) (98.74)

34.86 0.93 35.79

xu Emsok MUl - -
(25.18) (0.67) (25.85)

33.87 0.01 33.88

xuA M sL mS - -
(49.97) (0.02) (49.99)

lkrl sai ij ore xWi m Lx r zlr zlr zlr

- -
lmOl SriA M pail (72.05) (zlr) (72.05)

zlr 1.38 1.38

o Lx D M eU AkMU M xok q aUO - -
(zlr) (zlr) (zlr)

mimi ML el M MUh milr MqcUr M Sr ar uil Cxq lW Szr ar W | MM q mNs uw M AMQ SL aL W

(rj mokl U xMsi u mqhMi ij sZmUM U Ai)

178
Commission Receivable-
Outstanding as at the year end NIL NIL NIL
(NIL) (NIL) - - (NIL)
Maximum outstanding during the year NIL NIL NIL
(NIL) (NIL) (NIL)

Other payable
Outstanding as at the year end NIL NIL NIL
(NIL) (0.02) - - (0.02)
Maximum outstanding during the year NIL NIL NIL
(NIL) (0.02) (0.02)

Interest paid 10.86 104.22 115.08

(13.11) (95.48) - - (108.59)

40.66 236.65 277.31

Interest received - -
(26.48) (283.59) (310.07)

7.50 NIL 7.50

Dividend received - -
(6.00) (NIL) (6.00)

Repayment of Fixed Deposits/Certicate of NIL NIL NIL

- -
deposits (NIL) (NIL) (NIL)

Acceptance of Fixed Deposits/Certicate of NIL 4.63 4.63

- -
deposits (10.00) (NIL) (10.00)

62.39 NIL 62.39

Premium Paid - -
(98.74) (NIL) (98.74)

34.86 0.93 35.79

Rendering of Service - -
(25.18) (0.67) (25.85)

33.87 0.01 33.88

Receiving for Services - -
(49.97) (0.02) (49.99)

Repayment of PSU Settlement dues NIL NIL NIL

- -
including funding cost and Interest (72.05) (NIL) (72.05)

NIL 1.38 1.38

Guarantee in respect of rights issued to BSE - -
(NIL) (NIL) (NIL)

Salary to deputhed staff is not shown as the same is reimbursed. Figures in brackets relate to previous year.

(As compiled and certied by the management and relied upon by the auditors.)

179
5.4.8 AiU- xqW eZq 5.4.8 Intra-Group Exposures
(` in Crore)
(` MUQ q)
uw 2014-15 For the Year
uuUh Particulars
M sL 2014 -15
AiU xqW eZq M sL Ms Uz 3728.20 Total amount of intra-group exposures 3728.20
Eiq -20 AiU-xqW eZq M Ms Total amount of top-20 intra-group
3728.20 3728.20
Uz exposures
Percentage of intra-group exposures
EkUMi/aWM mU oM M Ms eZq x
0.61% to total exposure of the bank on 0.61%
AiU xqW eZq M mizi
borrowers /customers
AiU-xqW eZq mU xq M Essbl Details of breach of limits on intra-
ij ExmU ulrqM MUuD, rS MD W zlr group exposures and regulatory action Nil
i thereon, if any.
(rj mokl U xMsi u mqhi ij sZ-mUM U (As compiled and certied by the management and relied upon
Ai) by the auditors.)

5.5 sZ qlM-
qlM-20
20-m
-mi zrU Ael: 5.5 Accounting Standard-20 - Earnings Per Share:
Basic and diluted earnings per equity share
qs Lu ilMi D m Lx M ahl sZMl qlM
are computed in accordance with Accounting
20- "mi zrU Ael" M AlxU M aD W | Standard 20, Earnings per Share.
qs mi zrU Ael M mUMsl lqllxU W: The Computation of EPS is given below:

uuUh 2014-2015 2013-2014 Particulars 2014-2015 2013-2014

M CYuO zrUkUM M MUh A Net Prot for the year

uw M sL lus sp 2702.63 2438.19 attributable to Equity
(` MUQ q) Shareholders (` In Crore) 2702.63 2438.19
Z CYuO zrU M xZr B Number of Equity Shares
47.52 46.13 (In Crore) 47.52 46.13
(MUQ q)
a C Weighted Average
DYuO zrU M
pUi Axi xZr 46.13 44.75 Number of Equity Shares
(MUQ q) (In Crore) 46.13 44.75

b mi zrU Ael D Basic and Diluted Earnings

58.59 54.48 per Share (A/C) (Rs.) 58.59 54.48
(M / a)(`)
Q E Nominal Value per Share
mi zrU lqq qsr (`) 10/- 10/- (Rs.) 10/- 10/-

5.6 Accounting Standard-22 Accounting for Taxes on

5.6 sZ qlM
qlM - 22 - Ar mU MU M sZMl:
oM l Axjai MU Axir / SriA (Q O L / Q O
Ls) M lkUh Mr W AU rj 31.03.2015 M lus
Axjai MU Sri M lql mMU x sZMl Mr W:
Axjai MU Axir u Axjai MU SriA M mqZ
bOM lqllxU W:
Income:
The Bank has recognized Deferred Tax Assets /
Liabilities (DTA / DTL) and has accounted for the
Net Deferred Tax as on 31.03.2015 as under:
Major components of Deferred Tax Assets and
Deferred Tax Liabilities are as under::

180
 (` MUQ q)
Axjai MU Axir Axjai MU SriL
uuUh
31.03.2015 31.03.2014 31.03.2015 31.03.2014
mipir mU Emci mUi mipir mU Sr lW - - 933.77 854.69
N lMSMUh 315.00 283.54 -
xjU Axir mU qsrx 55.06 60.58 -
Alr 391.00 22.82 60.28
ArMU Aklrq 1961 M kU 36(1)(viii) M iWi xei 1211.28 1189.65
uzw AUi lk mU Q O Ls
Axjai MU Axir / SriL 761.06 344.12 2167.87 2104.62

(` in Crore)
Deferred Tax Assets Deferred Tax Liability
Particulars
31.03.2015 31.03.2014 31.03.2015 31.03.2014
Interest accrued but not due on securities - - 933.77 854.69
Leave Encashment 315.00 283.54 -
Depreciation on Fixed Assets 55.06 60.58 -
Others 391.00 22.82 60.28
DTL on Special Reserve created u/s 36(1)(viii) of IT 1211.28 1189.65
Act,1961
Deferred Tax Asset/ Liability 761.06 344.12 2167.87 2104.62
rj 31 qc, 2015 M lus Axjai MU Sri: `1406.82 Net Deferred Tax Liability as on March 31, 2015:
MUQ (mNs uw: `1760.50 MUQ) `1406.82 Crore (Previous year: `1760.50 Crore)

5.7 sZMl qqlM

lM - 27 - xr Eq q Wi xok ur
UmOa:
luz luz q Mqzrs oM BT CQr Ls.Ls.x.
(x q laqi) `73.22 MUQ zqs W (sl-Sl M
iUZ M ulqr SU mU) exq oM M 40% Wxx W |
L Lx 27 M AmlxU (xr m x lri xxj
q oM M Wi @ 40%) x xoki mUxmr, SriA,
Ar ij urr M xqa Uz M mMOl AksZi Mr
ar W :
5.7 Accounting Standard - 27 - Financial Reporting of
Interests in Joint Ventures
Investments include Rs.73.22 Crore (at the exchange
rate of the transaction date) in the Commercial Indo
Bank LLC (Incorporated in Russia) wherein the Bank
owns 40% of the equity.
As required by AS 27 the aggregate amount of the
assets, liabilities, income and expenses (Banks
interest @ 40% in jointly controlled entity) is
disclosed as under:

Mqzrs ClQ oM Ls.Ls.x. - mUxmr, SriA, Ar ij urr M orU

31.03.2015 31.03.2015 31.03.2014 31.03.2014
oM M zrU oM M zrU
uuUh M xqmi M xqmi M xqmi ai M xqmi ai
@ 40
40% @ 40
40%
cs uw cs uw uw uw
AqUM QsU ` ` AqUM QsU ` `
000 q MUQ q MUQ q 000 q MUQ q MUQ q
Ms me u AUi lkr 18,975 118.59 47.44 42,403 254.06 101.62
Ms SriL 72,470 452.94 181.18 59,458 356.24 142.50
Ms Axir 91,445 571.53 228.61 101,861 610.30 244.12
Ms Ar 7,450 45.55 18.22 7,212 43.60 17.44
Ms urr 6,403 39.43 15.77 3,141 18.99 7.59
sp 1,047 6.11 2.44 4,071 24.64 9.84
( rj mokl U xMsi u mqhMi ij sZmUM U Ai)

181
Commercial Indo Bank LLC - Details of Assets, Liabilities, Income & Expenses

Current Current Previous Previous

year ended year ended Banks share year ended year ended Banks share
Particulars @ 40% @ 40%
31/03/2015 31/03/2015 31/03/2014 31/03/2014

In 000 US In 000 US
Dollars ` in Crore ` in Crore Dollars ` in Crore ` in Crore

Aggregate Capital and Reserves 18,975 118.59 47.44 42,403 254.06 101.62

Aggregate Liabilities 72,470 452.94 181.18 59,458 356.24 142.50

Aggregate Assets 91,445 571.53 228.61 101,861 610.30 244.12

Aggregate Income 7,450 45.55 18.22 7,212 43.60 17.44

Aggregate Expenditure 6,403 39.43 15.77 3,141 18.99 7.59

Prot 1,047 6.11 2.44 4,071 24.64 9.84

(As compiled and certied by the management and relied upon by the auditors)

5.8 sZMl qlM

qlM - 28 - Axir M i:
mokl M Ur q, 31.03.2015 iM uxiUi CxM Acs
xm M Mx p xqa mU MD i M xMi lW
W exM ClxOO BT cOQ LMEOlOx BT CQr
U eU sZ mhs qlM 28 M lokl q lkUh M
eUi W |
5.8 Accounting Standard 28 - Impairment of Assets:
In the opinion of the Management, there is no
indication of impairment of any of its Fixed Asset
as at 31.03.2015 requiring recognition in terms of
Accounting Standard 28 issued by the Institute of
Chartered Accountants of India.

5.9 sZMl qlM - 29 - mukl, AMxqM SriL AU AMxqM Axir:

(` MUQ q)
umx /
01.04.2014 M uw M SUl 31.03.2015 M
uuUh xqrei ML
mUp olL aL mukl xqml
ar mukl

AMxqM SriA M sL mukl M csl 10.09 46.15 -- 56.24

5.9 Accounting Standard 29 Provisions, Contingent Liabilities and Contingent Assets:

(` in Crore)

Provision
Opening as on Provision made Closing as on
Particulars reversed /
01.04.2014 during the year 31.03.2015
adjusted

Movement of Provision for Contingent Liabilities 10.09 46.15 -- 56.24

182
6. AiU mMOMUh 6. Additional Disclosures
6.1 uw M SUl ML aL mukl AU AMxqM urr M 6.1 Details of Provisions and Contingencies made during
orU: the year:
(` MUQ q) (` in Crore)
uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

luz qsrx / Ll m Provision for

(657.76) 692.42
AD M sL mukl Depreciation on (657.76) 692.42
Investment and NPI
AleM Axir M sL
3770.87 2135.04
mukl Provision towards NPA 3770.87 2135.04

qlM mUxmr M sL Provision towards

153.73 478.41 153.73 478.41
mukl Standard Asset

MU M sL mukl - Provision for Tax

795.00 625.00
(Axjai MU Sri xWi) (includes Deferred Tax 795.00 625.00
Liability )
Eci qsr q x M sL
(41.42) (6.32)
mukl Provision for Diminution
(41.42) (6.32)
in Fair Value
mUxm M xSak uxs
(12.00) 8.00
M sL mukl Provision for Asset
(12.00) 8.00
Doubt Of Recovery
Szr Gh eZq M sL
7.30 7.00
mukl Provision for Country
7.30 7.00
Risk Exposure
Alr AMxqMiA ij
LT AD O Ls M sL 232.00 418.45 Provision for FITL and
232.00 418.45
mukl other contingencies

Ms 4247.74 4358.00 TOTAL 4247.74 4358.00

6.2 AxjD mukl: 6.2 Floating Provision:

(` MUQ q) (` in Crore)

uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

mUpM zw zlr zlr Opening Balance NIL NIL

uw M SUl xukl zlr zlr Addition during the year NIL NIL

uw M SUl Draw down during the

zlr zlr NIL NIL
AWUi Uz year.

Ci zw zlr zlr Closing Balance NIL NIL

183
6.3 zMri / oMa sMms M lhr M aU Mrlurl M mMOMUh :
M) aWM zMri

q x Q AU x m
xqlr LOLq xok o A
uuUh e AU Ms
x. zMri zMri qqs LT LLqLx
uw M AUp q soi zMri
M) 31 372 93 765 4 1265
M xZr
uw M SUl mmi zMri
Z) 8528 98214 1553 86 455 108836
M xZr
uw M SUl luUi zMri
a) 8549 98012 1458 91 457 108567
M xZr
uw M Ai iM soi zMri M
b) 10 574 188 760 2 1534
xZr

6.3 Disclosure of Complaints / unimplemented awards of Banking Ombudsmen:

A. Customer Complaints

General ATM CPGR

Sl.No Particulars BO Cases CDRF Total
Complaint Complaint AMS
Number of complaints pending at the
(a) 31 372 93 765 4 1265
beginning of the year
Number of complaints received during
(b) 8528 98214 1553 86 455 108836
the year
Number of complaints redressed
(c) 8549 98012 1458 91 457 108567
during the year
Number of complaints pending at the
(d) 10 574 188 760 2 1534
end of the year
LOLq uTs sl-Sl mU zMri: Complaints on ATM Failed Transactions:
i. WqU oM M aWM l Alr oM M LOLq q sl-Sl Mr i. ATM Failed Transactions complaints of 19746
W Exx xoki LOLq M uTs sl-Sl xok 19746 pertaining to our customers made transactions in
zMri mmi WD W , elq x 8818 M lmOl oM M other Banks ATMs, out of which 8818 complaints were
m q Mr ar W ij 10928 M lmOl aWM M m q redressed in favour of Bank and 10928 complaints
Mr ar W| were in favour of customers.
ii. Alr oM M aWM l WqU oM M LOLq q sl-Sl Mr ii. ATM failed transactions complaints of 28628
W, Exx xoki LOLq M uTs sl-Sl xok 28628 pertaining to other Bank customers who used our
zMri mmi WD W, elq x 10980 M lmOl oM M ATMs, out of which 10980 complaints were redressed
m q Mr ar W ij 17648 M lmOl aWM M m in favour of Bank whereas 17648 complaints were
q Mr ar W| redressed in favour of customers.
iii. MlU oM M piU LOLq M qkrq x uTs LqOLq sl- iii. Remaining 49840 complaints were redressed on
Sl M zw 49840 zMri M lmOl Mr ar, elq x account of failed ATM transactions within Canara
50 qqs ol zsM-umx us j | 49840 zMri q Bank through ATM, 50 cases without raising any
x q x 36037 zMri M lmOl aWM M m q Mr chargeback. Out of 49840 complaints, 36037
ar | complaints are redressed in favour of customers.

184
Z) oMa sMms U lhr
x. uuUh
(M) uw M AUp q AMrlui lhr
M xZr
(Z) uw M SUl mmi lhr
M xZr
(a) uw M SUl luUi lhr
M xZr
(b) uw M Ai iM soi AMrlui
lhr M xZr
*Sl aU Mrui lhr M ij 25.04.2014 ij 28.04.2014 W |
6.6 cMi Axl m
m eU MUl:
ur uw M SUl oM U `34004.06 MUQ M 2989
cMi Axl m eU Mr ar| rj 31.03.2015
M E m M xci xji ` 8481.31 MUQ M 1358
W | ClM Asu oM U lqlMi ulrqM M cMi
Auxl m eU Mr ar:
uw 2014-2015 M SUl eU cMi Auxl m:
zlr
mWs eU ML aL cMi Auxl m:
cl oMa UarsOU Mqzl, cl (zbD zZ M AU
x) - SlMi 29.03.2008 M ASz U |
r L D M xOs oM (WqU milk Mrsr, zUeW M
AU x) SlMi 04.06.2009 M ASz U |
oWUl M xOs oM (WqU qlq zZ, oWUl M AU x)
SlMi 15.01.2010 M ASz U ij
Sh ATM Ueu oM (eWxoa, Sh ATM M AU
x) Sl6Mi 19.11.2011 M ASz x)
ur mpu:
oM U cMi Axl m/bwh-m mU ur mpu, oM M
Alwar r xr Eq M AU x eU cMi Axl m M
qqs q Wi W | oM l AoiM l i MD xqSmUr Alwar
xjmi M W AU l W Alwar r xr Eq M AU cMi
Axl m eU Mr W |
B. Awards passed by the Banking Ombudsmen
Sl.No. Particulars
2* (a) Number of unimplemented Awards at
the beginning of the year 2*
Number of Awards received during
14 (b) 14
the year
Number of Awards redressed during
16 (c) the year 16
Number of unimplemented Awards
Nil (d) Nil
pending at the end of the year
*Both the unimplemented awards were honoured on
25.04.2014 and 28.04.2014
6.4 Issuance of Letters of Comfort:
Bank has issued 2989 no. of Letters of Comfort to the
tune of `34004.06 Crore during the nancial year.
The cumulative outstanding position of 1358 no. of
LOC as on 31.03.2015 is ` 8481.31 Crore. Apart from
this, Bank has also issued Letter of Comfort to the
following regulators:
LOC issued during the year 2014-2015:
Nil.
LOC issued in the past:
China Banking Regulatory Commission, China (on
behalf of our Shanghai Branch) vide order dated
29.03.2008
Central Bank of the UAE (on behalf of our
Representative ofce, Sharjah) Vide order dated
04.06.2009
Central Bank of Bahrain ( on behalf of our Manama
branch, Behrain) Vide order dated 15.01.2010 and
South African Reserve Bank (on behalf of our
Johannesburg branch, South Africa) Vide order
dated 19.11.2011
Financial Impact:
The nancial impact on issue of LOC/undertaking by
the Bank exists in case of LOCs issued on behalf of the
subsidiaries or Joint Ventures (JVs) of the Bank. Bank
has so far not established any overseas subsidiaries nor
issued any LOC on behalf of subsidiaries or JV.
185
zZA M xok q,xqSmUr zZA M Axir u SriA
M usr bUs mUcsl M xj MU Sr ar W ij oM M sL
LM xqMi isl-m olr ar W | xqSmUr zZA M
Ms SriL oM M uwM isl-m M SriA M LM pa W |
Ai: zZA M AU x eU cMi Axl m M MD
AiU ur mpu lW W | milk Mrsr M xok q,
MD uherM mUcsl lW Mr ar W ij CxsL qeol
Sz M ulrqM M eU cMi Axl m M MD ur
mpu lW W |
rj 31 qc 2015 M, WqU oM M sL xqSmUr ulrqM
M m q eU cMi Axl m M MD ur mpu lW W
YrM Cx zZA u milk Mrsr M AU x eU Mr
ei W | pUir Ueu oM M SzlSz M xok q, Wq AoiM
oM U eU cMi Axl m M uuUh M Zsx MUl
mxiui MUi W ij rj qc 2015 M isl-m q Zi M
lOx M Aiai Lx cMi Axl m M AU x zlr
ur mpu W |
With regard to branches the assets and liabilities of
overseas branches are merged with the domestic
operation and a consolidated Balance Sheet is drawn
for the Bank as a whole. The total liability of overseas
branches forms part of the liabilities of the Banks annual
balance sheet.
Hence, there is no additional nancial impact of LOCs
issued on behalf of branches. In respect of representative
Ofce, there are no commercial operations undertaken
and hence no nancial impacts of LOC issued to host
country regulators.
As at 31st march 2015, there is no nancial impact of
LOCs issued favoring the overseas Regulators for our
Bank since the same are issued on behalf of branches
and Representative ofces. In terms of RBI guidelines,
we propose to disclose the details of LOCs issued by the
Bank so far and NIL nancial impact on account of such
LOCs, under Notes to Accounts in the Balance Sheet as
at March 2015.

6.4.1 rj 31.03.2015 iM mukl muUh Almi 57.29% UW 6.4.1 Provision Coverage Ratio is 57.29% as on 31.03.2015
(mNs uw 60.11%) | (Previous Year 60.11%)

6.5 oM U oMLzrUx MUoU AS x mmi zsM / 6.5 Fees / Remuneration received by the Bank from
qlSr: Bancassurance Business etc:
(` MUQ q) (` in Crore)

Sl.
uuUh 31.03.2015 31.03.2014 Nature of Income 31.03.2015 31.03.2014
x. No.

eul oq msxr M For selling Life

1 26.56 26.12 1 26.56 26.12
ur Insurance Policies

aU-eul oq msxr For selling Non Life

2 15.39 13.80 2 15.39 13.80
M ur Insurance Policies

qrcAs TQ EimS M For selling Mutual

3 10.90 5.90 3 10.90 5.90
ur Funds Products

Alr (xuxjr oq Other (Health

4 5.50 0.73 4 5.50 0.73
msx) Insurance Policies)

Ms 58.35 46.55 TOTAL 58.35 46.55

186
6.6 eqA, Aaq, luz u Ll m L M MSMUh: 6.6 Concentration of Deposits, Advances, Exposures and
NPAs

6.6.1 eqA M MSMUh 6.6.1 Concentration of Deposits:

(` MUQ q) (` in Crore)
ox oQ eqMiA M Ms eq 61078 Total Deposits of twenty largest depositors 61078

oM M Ms eqA q x ox oQ eqMiA Percentage of Deposits of twenty largest

12.89% 12.89%
M eqA M mizi depositors to Total Deposits of the Bank

6.6.2 Aaq M MSMUh: (` MUQ q) 6.6.2 Concentration of Advances: (` in Crore)

ox oQ EkUMiA M Ms Aaq 32236.39 Total Advances to twenty largest borrowers 32236.39

oM M Ms Aaq q x ox oQ EkUMiA M Percentage of Advances to twenty largest

Aaq M mizi 9.77% borrowers to Total Advances of the Bank 9.77%

6.6.3 luz M MSMUh: 6.6.3 Concentration of Exposures:

(` MUQ q) (` in Crore)

ox oQ EkUMiA / aWM M Ms luz 55951.79 Total Exposure to twenty largest borrowers/ 55951.79
customers

oM M Ms luz q x ox oQ EkUMiA/ Percentage of Exposures to twenty largest

aWM M luz M mizi 9.10% borrowers / customers to Total Exposure of 9.10%
the bank on borrowers / customers

6.6.4 Ll m L M MSMUh: 6.6.4 Concentration of NPAs:

(` MUQ q) (` in Crore)
mjq cU LlmL Zi M Ms luz 1885.38 Total Exposure to top four NPA accounts 1885.38

187
6.6.5 - uU Aaq (` MUQ q)
uiql uw mNs uw
Ex q
Ex q Ms
Ms oMr xMs Ms Aaq q oMr Ms xMs oMr Ms
x. Aaq q x Ll
Aaq LlmL x Ll m L M Aaq LlmL Aaq
m L M mizi
mizi
L mjqMi
1 Mw u xo 58,868.00 1410.31 2.40% 48,797.00 978.54 2.01%
r Msm
2 Ea 23,922.68 3047.58 12.74% 21,348.04 1727.45 8.09%
(xq u sb,
qkrq ij
oQ)
3 xuL 20,327.98 379.66 1.87% 14,271.34 250.23 1.75%
4 urai Gh 15,115.00 -- - 1,3345.00 - -
Em- Ms (L) 1,18,233.66 4837.55 4.09% 97761.38 2956.22 3.02%
B aU mjqMi
1 Mw u xo - - - - - -
r Msm
2 Ea 143949.41 6644.39 4.62% 138867.33 3667.75 2.64%
3 xuL 45581.21 1342.39 2.95% 46186.31 780.57 1.69%
4 urai Gh 27183.00 215.63 0.79% 20616.00 165.67 0.80%
Em- Ms (o) 216713.62 8202.41 3.78% 205669.64 4613.99 2.24%
Ms (L+o) 334947.28 13039.96 3.89% 303431.02 7570.21 2.49%

6.6.5 Sector-wise Advances (` in Crore)

Current Year Previous Year
Sector* Percentage
Percentage of
Sl Outstanding total of Gross Outstanding Outstanding
Gross NPA to
No Advances Gross NPA NPA to Total total Gross NPA total
Total Advances
Advances in Advances Advances
in that sector
that sector
A Priority sector
1 Agriculture and 58,868.00 1410.31 2.40% 48,797.00 978.54 2.01%
allied activities
2 Advances to 23,922.68 3047.58 12.74% 21,348.04 1727.45 8.09%
industries sector
eligible as priority
sector lending
3 Services 20,327.98 379.66 1.87% 14,271.34 250.23 1.75%
4 Personal loans 15,115.00 -- - 1,3345.00 - -
Sub total (A) 1,18,233.66 4837.55 4.09% 97761.38 2956.22 3.02%
B Non Priority sector
1 Agriculture and - - - - - -
allied activities
2 Industries 143949.41 6644.39 4.62% 138867.33 3667.75 2.64%
3 Services 45581.21 1342.39 2.95% 46186.31 780.57 1.69%
4 Personal loans 27183.00 215.63 0.79% 20616.00 165.67 0.80%
Sub total (B) 216713.62 8202.41 3.78% 205669.64 4613.99 2.24%
Total (A+B) 334947.28 13039.96 3.89% 303431.02 7570.21 2.49%

188
Eq M Em- eW oMr Aaq M Ms Aaq M 10% x AkM W |
(` MUQ q)
uiql uw mNs uw
Ex q Ms Ex q Ms
Em- xMs oMr xMs
x. Ms oMr Aaq Aaq q x Ll Aaq q x Ll m L
LlmL Ms Aaq LlmL
m L M mizi M mizi
1 olrS ki u 17768.52 1533.00 8.63% 17031.00 1123.00 6.59%
ki EimS
2 AuxUcl 64713.17 1732.00 2.68% 57748.00 366.00 0.63%
(rj mokl U xMsi u mqhMi ij sZmUM U Ai)

Sub sector of industries where the outstanding advances exceeds 10 percent of the outstanding total advances
of the sector.
Rs in Crore
Current Year Previous Year
Percentage of Percentage of
Sl
Sub Sector Outstanding Gross Gross NPA to Outstanding Gross Gross NPA to Total
No
total Advances NPA Total Advances total Advances NPA Advances in that
in that sector sector
1 Basic metal and 17768.52 1533.00 8.63% 17031.00 1123.00 6.59%
metal products
2 Infrastructure 64713.17 1732.00 2.68% 57748.00 366.00 0.63%
(As compiled and certied by the management and relied upon by the auditors.)

6.7 Ll m L M AiUh: 6.7 Movement of NPAs

(` MUQ q) (` in Crore )
uuUh Uz Particulars Amount

rj 1 Ams 2014 iM xMs Ll m L Gross NPAs as on 1st April 2014 (Opening

7570.21 7570.21
(AUpM zw) Balance)

uw M SUl mUukl (liL Ll m L) 10869.53 Additions (Fresh NPAs) during the year 10869.53

Em - Ms (M) 18439.74 Sub-total (A) 18439.74

bOL:- Less:-

(i) Ail 2031.11 (i) Upgradations 2031.11

(ii) uxsr (Aili Zi x M aD (ii) Recoveries (excluding recoveries
1896.45 1896.45
uxsr M Asu) made from upgraded accounts)
(iii) iMlM / mQzrs o Zi q Qsl 1111.75 (iii) Technical/ Prudential Write-offs 1111.75
(iv) Write-offs other than those under (iii)
(iv) E (iii) M Asu o Zi 360.47 360.47
above
Em Ms (Z) 5399.78 Sub-total (B) 5399.78
rj 31 qc 2014 iM xMs Ll m L Gross NPAs as on 31st March 2015
13039.96 13039.96
(Ci zw) (M-Z) (closing balance) (A-B)

189
6.8 iMlM o Zi q Qsl ij iimi olL uxs M 6.8 Movement of Technical Write off and the
AiUh : recoveries made thereon:
(` MUQ q) (` in Crore)

uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

Opening balance of
rj Ams 1 M iMlM /
Technical/ Prudential
mQzrs o Zi q Qs 7384.76 7396.09 7384.76 7396.09
written-off accounts as
aL Zi M mUpM zw
at April 1
eQ: uw M SUl iMlM/ Add: Technical/
mQzrs o Zi q Qs 1119.15 1010.45 Prudential write-offs 1119.15 1010.45
aL Zi during the year
Em Ms (M) 8503.91 8406.54 Sub-total (A) 8503.91 8406.54
Less: Recoveries
bOL: uw M SUl iMlM/
made from previously
mQzrs o Zi q Qs
1080.70 1021.78 technical/ prudential 1080.70 1021.78
aL Zi x mWs M aD
written-off accounts
uxs (Z)*
during the year (B)*
rj qc 31 M Ci zw Closing balance as at
7423.21 7384.76 7423.21 7384.76
(M - Z) March 31 (A-B)
*zZA M AiUi uxiuM o Zi ij ulqr EiU-cRu * including actual write off transferred to Branches and
xWi exchange uctuation

6.9 xqSmUr Axir, Ll m L u Uexu 6.9 Overseas Assets, NPAs and Revenue
(` MUQ q) (` in Crore)

uuUh Uz Particulars Amount

Ms Axir 48219.67 Total Assets 48219.67

Ms Ll m L : xMs 533.87 Total NPAs : Gross 533.87

lus 243.31 Net 243.31
Ms Uexu 1199.16 Total Revenue 1199.16

6.10 isl m q zqs

zqs l Wl us mrei Lx m u
6.10 Off-balance Sheet SPVs sponsored (which are
(sZMl qlSQ M AlxU xqMi ML el M required to be consolidated as per accounting
AuzrMi W norms)

mrei Lx m u M lq Name of the SPV sponsored

bUs xqSmUr Domestic Overseas

zlr zlr NIL NIL

190
6.11 mipiMUh x xoki mMOl: (` MUQ q)
x. uuUh xZr / Uz
1. mipiMUh xuruWU M sL oM U mrei Lx m u M xZr
2. oM U mrei Lx m u M oWr M AlxU mipiMi Axir M Ms Uz
3. rj isl m M iUZ M Lq AU AU M Almslj oM U mikUi luz M Ms Uz
M) isl m q zqs l Wlus luz
mjq Wl
Alr
Z) isl m q zqs Wlus luz
mjq Wl
Alr
4. Lq AU AU M Asu mipiMUh xuruWU M Uz
M) isl m q zqs l Wlus luz
mipiMUh M sL luz zlr
i) mjq Wl
Alr
ixU m mipiMUh M sL luz
ii) mjq Wl
Alr
Z) isl m q zqs Wlus luz
mipiMUh M sL luz
i) mjq Wl
Alr
ixU m mipiMUh M sL luz
ii) mjq Wl
Alr

6.11 Disclosure relating to Securitisation:

(` in Crore)
Sl. No./
Particulars
No. Amount
1. No of SPVs sponsored by the bank for securitization transaction
2. Total amount of securitized assets as per books of the SPVs sponsored by the bank
3. Total amount of exposures retained by the bank to comply with MRR as on the date of balance sheet
a) Off-balance sheet exposures
First loss
Others
b) On-balance sheet exposures
First loss
Others
4. Amount of exposures to securitization transactions other than MRR
a) Off-balance sheet exposures
Exposure to own securitizations
i) First loss
Others
Exposure to third party securitizations
ii) First loss
Others NIL
b) On-balance sheet exposures
Exposure to own securitizations
i) First loss
Others
Exposure to third party securitizations
ii) First loss
Others

191
6.12 Gh QTsO xum (xQLx): zlr
6.13 eqMi z u eaMi lk M WxiiUh
(QDLLT)
uuUh 31.03.2015
QDLLT M
WxiiUi Uz M
AUpM zw
eQ : uw M SUl QDLLT 855.25
M WxiiUi Uz eQ
bOL : Su M lmOl M 7.26
sL QDLLT U mimi ML
aL Su
QDLLT M
WxiiUi Uz M
Aiq zw
6.14 pUir Ueu oM l CxM xxcl xZr QoAQ.
l.om..ox.85/21.06.200/2013-14 SlMi
eluU 2014 U oM M lSz Sr W M AlcNSi
uSz qS LYxmeUM xj lMr M oM M
LYxmeU x xoki uil u u me mSl MU |
iSlxU, u uw 2014-15 M sL, oM l AlcNSi
uSz qS LYxmeU M sL 84.56 MUQ M uil u
mukl Mr W | Aa, rj 31.03.2015 M oM M mx
AlcNSi uSz qS LYxmeUmU eZq Wi 250.98
MUQ M me W |
AlcNSi u uS
Sz qS LYxmeU M xok q Gh eZq
qS mUi Gh eZq M mokl M sL lir:
EkUMi lMr M xok q elM uSz qS LYxmeU
W, oM U AlcNSi uSz qS LYxmeU (rLTxD);
ore mU uwM Ar u qsrx (DoADQ); xsl
AxjUi M Emra MUi WL rLxQ-ADLlAU ulqr
SU q mUuil M qqs q Alqli Wl M ahl
M ei W | ulqr SU q mUuil M MUh Alqli
Wl M DoADQ M mizi rl Alqli Wl/
DoADQ mizi M m q Szr ei W | uuMmh
Emr M iU mU, oM U Lx lMr M uzwMi SU
mU Ms Gh eZq mU uil u me u uil u
muklMUh (uiql qlM Axi muklMUh M
AiU) Mr ei W |
6.12 Credit Default Swaps (CDS): NIL
6.13 Transfers to Depositor Education and Awareness
Fund (DEAF)
(` MUQ q) (` in Crore)
31.03.2014 Particulars 31.03.2015 31.03.2014
- sa lW Opening balance of - NA
amounts transferred to
DEAF
sa lW Add : Amounts transferred 855.25 NA
to DEAF during the year
sa lW Less : Amounts 7.26 NA
reimbursed by DEAF
towards claims
847.99 sa lW Closing balance of 847.99 NA
amounts transferred to
DEAF
6.14 Reserve Bank of India vide its communication
15 Number DBOD.No.BP.BC. 85 /21.06.200/2013-
14 dated January 15, 2014 advised the Bank
to provide incremental provision and capital
with regard to banks exposure to entities with
unhedged foreign currency exposures. Accordingly
for the nancial year 2014-15, bank has made a
incremental provision of Rs 84.56 Crore towards
unhedged foreign currency exposure. Further,
Bank is also holding a capital of Rs 250.98 Crore
as on 31.03.2015 towards the risk on unhedged
foreign currency exposure.
Policies to manage currency induced credit
risk with regard to Unhedged Foreign Currency
Exposure:
In respect of borrower entities having foreign
currency exposure, Bank is computing Unhedged
Foreign Currency Exposure (UFCE); Annual Earnings
before interest and Depreciation (EBID); expected
loss in case of movement in USD-INR exchange
rate using annualized volatilities. Expected loss
on account of exchange rate movements is
expressed as a percentage of EBID i.e likely loss/
EBID percentage. As a prudential measure, Bank is
holding incremental capital and made incremental
provisioning (over and above the extant standard
assets provisioning) on the total credit exposure to
such entities at the specied rates.
192
6.15. cslk MuUe Almi
(` MUQ q)
uiql uw mNs uw
Ms Ms Ms Ms
x. lkUi lkUi lkUi lkUi
qsr qsr qsr qsr
Axi Axi Axi Axi
E ahumh iUs Axi
1 Ms E ahuimh iUs Axi (LcYrLsL) 67627.22
lMS oWmuW
2 ZSU eq u NO MUoU aWM x eq, elqx 217083.26 18428.03
(i) xjU eq 65606.01 3280.30
(ii) Mq xjU eq 151477.25 15147.73
3 aU mipiMi jM lkrl, exqx 143561.92 84374.15
(i) mUcsliqM eq ( xp mim) 4045.30 991.36
(ii) aU-mUcsliqM eqL ( xp mim) 130955.62 74821.79
(iii) aU-mipiMi EkU 8561.00 8561.00
4 mipiMi xmh lkrl 6253.57 4007.47
5 AiU AuzrMiL, exqx 44506.39 12833.70
(i) urim LYxmeU u Alr xmM AuzMiA x 4.96 4.96
xoki oWuW
(ii) EkU EimS mU lkrl Wl xok oWuW 0.00 0.00
(iii) Gl u cslk xukL 44501.43 12833.70
6 Alr xuSiqM lkrl mi-m 500.00 500.00
7 Alr AMxqM lkrl mi-m 61230.88 3061.54
8 Ms lMS oWuW 473136.02 123204.88
9 mipiMi EkU ( ESWUh : Uux Um) 2178.94 13.31
10 xmh MrlwmSM LYxmeU x AiuW 28970.92 18035.12
11 Alr lMS AiuW 1105.20 1037.81
12 Ms lMS AiuW 32255.06 19086.23
Ms Ms
xqrei xqrei
qsr qsr

21 Ms Lc Yr Ls L 67627.22
22 Ms lus lMS 104118.65
oWuW

23 cslk MuUe 64.95%

Almi (%)

193
6.15. Liquidity Coverage Ratio
(` in Crore)
Current year Previous Year
Total Total Total
Sl No Total Weighted
Un-weighted Weighted Un-weighted
Value
Value Value Value
(average)
(average) (average) (average)
High Quality Liquid Assets
1 Total High Quality Liquid Assets (HQLA) 67627.22
Cash Outows
2 Retail deposits and deposits from small business 217083.26 18428.03
customers, of which:
(i) Stable deposits 65606.01 3280.30
(ii) Less stable deposits 151477.25 15147.73
3 Unsecured wholesale funding, of which: 143561.92 84374.15
(i) Operational deposits (all counterparties) 4045.30 991.36
(ii) Non-operational deposits (all counterparties) 130955.62 74821.79
(iii) Unsecured debt 8561.00 8561.00
4 Secured wholesale funding 6253.57 4007.47
5 Additional requirements, of which 44506.39 12833.70
(i) Outows related to derivative exposures and 4.96 4.96
other collateral requirements
(ii) Outows related to loss of funding on debt 0.00 0.00
products
(iii) Credit and liquidity facilities 44501.43 12833.70
6 Other contractual funding obligations 500.00 500.00
7 Other contingent funding obligations 61230.88 3061.54
8 Total Cash Outows 473136.02 123204.88
9 Secured lending (e.g. reverse repos) 2178.94 13.31
10 Inows from fully performing exposures 28970.92 18035.12
11 Other cash inows 1105.20 1037.81
12 Total Cash Inows 32255.06 19086.23
Total Total
Adjusted Adjusted
Value Value
21 TOTAL HQLA 67627.22
22 Total Net Cash 104118.65
Outows

23 Liquidity Coverage 64.95%

Ratio (%)

194
mUqhiqM mMOMU
MUh
h Qualitative disclosure around LCR

Ms cslk MuUe Almi (LsxAU), oM M cslk eZq
mTCs M sb Auk ilri M muil M sL W | rW LsxAU
M lrliq 60% AuzrMi M xj 1 eluU 2015 x mpu W,
Cx 1 eluU 2019 iM 100% MUl M sL 10% uwM iU mU
Aa oRr el W |
The liquidity coverage ratio (LCR) is to promote the short
term resilience of the liquidity risk prole of the banks.
It is effective from 1st January 2015 with minimum LCR
requirement of 60% to be stepped up by 10% annually to
reach 100% by 1st January 2019.

LsxAU, xqlr iU mU xli MUi W M oM E ahumh
cs Axi (LcYrLsL) ApUi Axi M mrmi xOM M
UZUZu MUi W ex 30 Sl M cslk Souaxi xji
Axl M sL cslk AuzrMiA M mi M sL iiMs
lMS q mUuii Mr e xMi W |
LCR basically ensures that the Bank maintains an adequate
stock of unencumbered high quality liquid assets (HQLA)
that can be converted easily and immediately into cash
to meet liquidity needs for a 30 calendar day liquidity
stress scenario.

oM l qc iqW 2015 M sL 64.95% M qxM Axi
LsxAU M UZUZu Mr W | LsxAU M qZr xcsM W
LcYrLsL M xiU ij Aas 30 Sl q lus lMS oWuW |
qZr cU e oM M LcYrLsL M lkUh MUi W Exq zqs
W lMS, AiU xAUAU Akzw LxLsAU mipir, xiU 1
Axi M m q LqLxLT M Aiai 2% M Alur LxLsAU,
LTLLsLsxAU M Aiai 5% M Alur LxLsAU, rW Ms
LcYrLsL M 93.72% oli W | xiU 2L u 2o Axir M
xiU 1 Axi x Mq iUs ql ei W, rW Ms LcYrLsL M
6.28% oli W |
Aas 30 Sl q lus lMS oWuW e LsxAU q upeM
W uW lMS oWuW q x lMS AiuW M bOMU W ij rW
LlQOLs M 23.92% W | lqlsZi MUh x lMS oWuW,
lMS AiuW x AkM W:
1. oM eq M qZr mizi LsxAU xq M piU 30 Sl
M ASU miSr W |
2. lMS oWuW M Alql oM U mim M mS xuSiqM
u AMxqM lkrl mi-m M MUh sar ei W AU
rW isliqM m x E Wi W |
3. AiuW qZrir lwmSM Axir x W e xuSiqM m
x 30 Sl iM Sr W |
6.16 uw M SUl qs oM l SlM 27.03.2015 M Arei
AxkUh xqlr oPM q oM M zrUkUM M xWqi
U mUi M aD uzw xMsm M AlxU SlM
31.03.2015 M `10/- AMi qsr M 1,39,38,134
DYuO zrU `398.95/- M mqrq xWi `408.95/-
M laq qsr mU pUi xUMU M Akqli AkU mU
laqi Mr |
6.17 (M) pUir Ueu oM M mUm xZr QoAQ.om.
ox.80/21.04.018/2010-11 SlM 09.02.2011 M U
eU M aD SzlSz M AlxU oM l uw M SUl
The Bank has maintained monthly average LCR of 64.95%
for the quarter ended March 2015. The main drivers of
LCR are the level of HQLA and the net cash outows in
the next 30 days. The prime variables which determines
the HQLA of the Bank includes cash, excess CRR surplus
SLR securities, 2% of the mandatory SLR under MSF, 5%
of the mandatory SLR under FALLCR as level 1 assets and
forms 93.72% of the total HQLA. Level 2A and 2B assets
are considered to be less liquid than level 1 asset forms
6.28% of the total HQLA.
Net cash outow in the next 30 days which is the
denominator in LCR is the cash outow minus cash inow
and is 23.92% of the NDTL. Cash outows are more than
the cash inows mainly on account of followings:
1. Major percentage of Banks deposits is callable within
the LCR horizon of 30 days.
2. Cash outows expected on account of contractual
and contingent funding obligations extended by the
Bank to the counterparties are also relatively high.
3. Inows are mainly from performing assets which are
contractually due up-to 30 days.
6.16 During the year Bank had issued and allotted
1,39,38,134 Equity shares of face value of `10 each
for cash at an issue price of Rs 408.95 including
premium of `398.95 to the Government of India
(GOI) on preferential basis on 31.03.2015 with the
consent of the Shareholders of the Bank by way
of Special Resolution passed in the Extraordinary
General Meeting of the Bank held on 27.03.2015.
6.17 (a) In accordance with the guidelines issued by the
Reserve Bank of India vide their circular no: DBOD.
BP.BC.80/21.04.018/2010-11 dated 09.02.2011,

195
 sp-Wl Zi q `1853.57 MUQ M aU mUzki
Sri M mi AlmiM AkU mU `370.72 MUQ lq
Mr ar (uiql MqcUr elWl mWs mzl uMsm
lW Sr j, ElM sL mzl uMsm TU x z MUl
M sL 31 qc 2011 M z Wlus 5 xs M sL
mUzki)|
(Z) EmSl xq q xukl M sL uw M SUl sp-Wl
Zi q `679.52 MUQ M aU mUzki Sri M mi
AlmiM AkU mU `135.91 MUQ mpUi Mr ar (31
qc 2011 M z Wlus 5 xs M sL mUzki) |
6.18 uil xzkl M oMr Uz M sL uw M SUl `350
MUQ (ai uw 31.03.2014 iM `240 MUQ u `325
MUQ M mukl W e ADoL U 1 luoU 2012 x
sqoi xqfi-ui x mpu Wa |
6.19 mlxUci Aaq M xok q umwi xuk Gh ore
M Ar M m q qlri Sr ar W ij 31.03.2013
iM Zi q iSlxU ApsZi Mr ar W | ijm,
pUir Ueu oM l Aml xxcl QoAQ xZr :
om.12415/21.04.132/2013-14
2014 U oM M lSz Sr W M sp u Wl Zi
x mpU M uxs MU Ar M umx MU | pUir Ueu
oM l LMoUa Emr M iU mU oM M LTADOLs
M sL SxoU 2013 x xiqoU 2014 iM M sL rj
31.03.2013 M cU iqWr M sL Ami mukl
xei MUl M Alqi S j | uw 2013-14 M SUl
`528.63 MUQ M Ms mukl x `264.32 MUQ sp-
Wl Zi x lq Mr ar | pUir Ueu oM M xxcl
xZr QoAQ.l.o.m. 20791/21.04.132/2013-14
SlM 27 el 2014 M AlxU 264.31 MUQ M zw
Uz M uw 2014-15 M SUl AUi Uexu x AiUi
Mr ar W |
6.20 m xZr QoLx.xA.LxLxLq. (MlU
13747/13.39.001/2014-15 SlM 05.05.2015 ij
QoLx.xA.LxLxLq (MlU oM) 14323/13.39.001/
2014-15 SlM 15.05.2015 M xok q pUir Ueu
oM l Alqi S W M rm oM U Mx Axi
M qlM Axi M m q uaMi Mr ar W, ijm
127.26 MUQ mSl MUl M mukl Mr ar iM
the bank has debited Prot & Loss Account
during the year a sum of `370.72 crore being the
remaining proportionate amount of the total
liability of `1853.57 crore (to be amortised over
a period of 5 years beginning from 31st March
2011 on account of reopening of Pension options
during 2010-11 for existing employees who had
not opted for pension earlier).
(b) The Bank has debited Prot & Loss account
a sum of `135.91 crore being the remaining
proportionate amount of the total liability of
` 679.52 crore, to be amortised over a period of ve
years beginning from 31st March 2011 on account
of enhancement of gratuity limit.
6.18 Provision of `350.00 Crore (Previous year `240.00
crore and `325.00 crore up to 31.03.2014) has
been made during the year towards arrears for
wage revision, which will be effective from 1st
November 2012 pending negotiation by IBA.
6.19 The Funded Interest Term Loan in respect of
restructured Advances was recognized as
Income and dealt accordingly in the accounts
SlM 03 eluU till 31.03.2013. However, Reserve Bank of India
vide their communication DBOD no:BP.12415/
21.04.132/2013-14 dated January 03 2014
directed the bank to reverse the income by
charging to the Prot & Loss account. Reserve
Bank of India as a onetime measure has permitted
the Bank to create the provision required for FITL
as on 31/03/2013 to be spread over four quarter
starting from December 2013 to September 2014.
Out of the total provision for `528.63 crore `264.32
crore has been charged to Prot & Loss Account
during 2013-14. Balance amount of `264.31 crore
has been transferred from revenue reserve during
the year 2014-15 as per RBI communication
no: DBOD.No.BP.20791/21.04.132/2013-14 dated:
June 27 2014
oM)/ 6.20 In terms of the letter no DBS.CO.SSM.(Canara
Bank)/13747/13.39.001/2014-15 dated 05.05.2015 and
DBS.CO.SSM (Canara Bank)/14323/13.39.001/2014-
15 dated 15.05.2015, Reserve Bank of India (RBI)
has permitted that one of the advances though
categorized as Standard Assets by the bank, yet a
provision to the extent of `127.26 crore be made
and staggered, so that one third of the said amount
196
 Mji Uz (` 42.42 MUQ) M LM iWD Uz 31 qc
2015 M xqmi Wlus uw M sL mSl Mr eL
ij ` 84.84 MUQ M zw Uz M 30 el 2015 ij
30 xiqoU 2015 M xqmi Wlus iqW q S Mxi
q xqmi Mr el W | pUir Ueu oM l p EmU
EssZi m M U 30 el 2015 M z Wlus
il iqWr q Mimr aU-lwmSM Aaq M xok q
` 716.23 MUQ M Uz M mukl M Alqi S W |
6.21 oMa Mml (Emq M AkaWh u AiUh ) Aklrq,
1970 M kU 10o M AlxU MmUO Mr qsr
(LqxL) x sqoi xmMUh M MUh `1.65 MUQ M
AmS / ASu Uz M spz luzM z u xU
lk (ADDmLT) M AiUi Mr el zw W |
7. eW MW AuzrM xqf ar W, mNs uw M AMQ
M mlxqWi / ml: uruxji Mr ar W |
(`42.42 crore) is provided in the year ended 31st
March 2015 and balance amount of `84.84 crore
is to be provided in two installments in quarter
ending 30th June 2015 and 30th September 2015.
RBI has also permitted vide the aforesaid letter to
spread the provision amounting to `716.23 crore
in respect of certain non performing advances in
three quarters commencing 30th June 2015.
6.21 Pending clarication from Ministry of Corporate
Affairs (MCA), a sum of `1.65 Crore being Unpaid/
Unclaimed dividend is yet to be transferred to
Investor Education and Protection Fund (IEPF) as
per Sec 10B of Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970.
7. Figures of the previous year have been regrouped /
rearranged / reclassied wherever necessary.

Lq xuqljl u xMqU Ll xuzMUl Ll xsuUel WUSz MqU o

qQs mokM qQs mokM Em qW mokM qW mokM MrmsM lSzM
mql xW Uui Eq zMU e u qhqUl xls WYqcS McO qcUs xDUq pxMU
MrmsM lSzM (mok lSzM u qZr lSzM lSzM lSzM lSzM
MrMU AkMU - AiU mpU)
UelSU MqU ars xer el
lSzM lSzM

xqxZrM ij M WqU UmO M AlxU

Mi Mi Mi Mi Mi Mi
m cmQ LhQ M. L AU Sx LhQ LxxLOx Lx x uxSu LhQ M. ulr MqU LhQ M Uq Ue LhQ M u M lUel LhQ M
xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU

UMz el zrqs MqU lrM Azz Aaus ulr MqU Aaus M zu xoqhr mxS lUel u M
xfSU xfSU xfSU xfSU xfSU xfSU
oas
25 qD, 2015

M SWAMINATHAN V SUKUMAR N SIVASANKARAN N SELVARAJAN HARIDEESH KUMAR B

DIVISIONAL MANAGER DIVISIONAL MANAGER DEPUTY GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR
P S RAWAT UMA SHANKAR G V MANIMARAN SUNIL HUKUMCHAND MOCHERLA SAIRAM
EXECUTIVE DIRECTOR DIRECTOR DIRECTOR KOCHETA BHASKAR
(ADDITIONAL CHARGE OF MD & CEO) DIRECTOR DIRECTOR

RAJINDER KUMAR GOEL SANJAY JAIN

DIRECTOR DIRECTOR

AS PER OUR REPORT OF EVEN DATE

For For For For For For
P CHOPRA & Co. A R DAS & ASSOCIATES S C VASUDEVA & Co. VINAY KUMAR & Co. RAM RAJ & Co. V K NIRANJAN & Co.
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants

RAKESH JAIN Shyamal Kumar Nayak ASHISH AGARWAL VINAY KUMAR K SIVA SUBRAMANYA NIRANJAN V K
Partner Partner Partner AGRAWAL PRASAD Partner
Partner Partner
Bengaluru
MAY 25,2015

197
rj 31.03.2015 M xip 3 - oxs II
mMOl (LMs)
mMOl mm isM 1: Almra M Mr
ahiqM mMOl:
M. oM M lq exM sL rW Rc sa W: MlU oM
Z. xqW M Aiai lMr M xmi uuUh xWi sZMl applies : CANARA BANK
AU ulrqM Ezr M sL xqMl M AkU q AiU x
xoki mUZ
(i) e mhi xqMi W (ex xqMi sZMl q
Alwar W, ESWUh M sL L Lx 21, exM
kUh >50 W)
1. MloM ucU MmOs TQ s. (kUh 100%-ur
lMr)
2. MloM Tllzrs xuxx s. (kUh 100%-
ur lMr)
3. MlU oM xYrUOe s. (kUh 100%-xOM
oMa Mml)
4. MloM TYOx sqOQ (kUh 70%-ur lMr)
5. MlU oM MmrOU xuxx s. (kUh 69.14%-
Alr)
6. MlU UoM Axi mokl Mml s. (kUh 51%-
qrcAs TQ M L Lq x)
7. MlU Lc Lx o x A o x eul oq Mml
s. (kUh 51%- ur lMr)
(ii) e AlmiM AkU mU xqMi W (ex xqMi
sZMl q xr Eq W, ESWUh M sL L Lx 27
exM kUh <50% W) |
1. Mqzrs CQ oM Ls Ls x (kUh 40%-pUir
xOO oM M xj xr Eq)
(iii) elM xok q MOi M ar W | (LxxrO-kUh
20% x AkM u 50% x Mq)
1. MlTl Wqx s. (kUh 43.45%)
2. mai Mwh aqh oM ( a oM- kUh 35%)
3. MUs aqh oM ( a oM- kUh 35%)
BASEL II PILLAR 3 DISCLOSURES (Solo)
AS ON 31.03.2015
TABLE DF 1: SCOPE OF APPLICATION:
Qualitative Disclosures:
a. The name of the Bank to which the framework
b. An outline of differences in the basis of consolidation
for accounting and regulatory purposes, with a brief
description of the entities within the group:
(i) That are fully consolidated (viz., subsidiaries as
in consolidated accounting, e.g. AS 21, having
holding > 50%)
1. Canbank Venture Capital Fund Ltd. (Holding
100% Financial Entity)
2. Canbank Financial Services Ltd. (Holding
100% Financial Entity)
3. Canara Bank Securities Ltd (Holding 100%
Stock Broking Company)
4. Canbank Factors Ltd. (Holding 70% Financial
Entity)
5. Canara Bank Computer Services Ltd (Holding
69.14% Others)
6. Canara Robeco Asset Management Co. Ltd.
(Holding 51% AMC of Mutual Fund)
7. Canara HSBC OBC Life Insurance Co. Ltd.
(Holding 51% Financial Entity)
(ii) That are pro-rata consolidated (viz. Joint ventures
in consolidated accounting, e.g. AS 27, having
holding < 50%)
1. Commercial Indo Bank LLC. (Holding 40% Joint
Venture with SBI)
(iii) That are given a deduction treatment (Associates
Holding above 20% and below 50%)
1. Cann Homes Ltd. (Holding 43.45%)
2. Pragathi Krishna Gramin Bank (RRB Holding
35%)
3. Kerala Gramin Bank (RRB Holding 35%)
198
 a) sZMl ij ulrqM Ezr M sL xqMl M
AkU q AiU:
ulrqM SzlSz M AlxU, LM xqMi oM
oq MUoU ij ur xuA x Axo MUoU q
sa WL xqW Mmlr M lMs xMi W | Ai: MlU
LcLxoAx Aox eul oq Mml sqOQ (kUh
51% - oq MUoU) ij MlU oM MmrOU xuxe
sqOQ (kUh 69.14% - Alr) M ulrqM Ezr M sL
lMs Sr W|
mUqhiqM mMOl:
b) xp Alwar q me Amrmii M xqa Uz ex xqMl
q xqqsi lW M ar W Aji elM MOi WD W AU
El Alwar M lq
zlr
X) oq lMr q oM M Ms Wi M xqa Uz (ESWUh:
cs oW qsr), e eZq pUi W, ElM lq, eW laqi
Mr ar W, Ex Sz M lq r lux, xuqiu Wi M
Almi AU rS p W i Cl lMr q qiSl z M
Almi |
1. lq : MlU LcLxox Aox
eul oq Mml sqOQ
2. laqi Sz M lq: pUi
3. xuqiu Wi : `4,845.00 qsrl (51%)
c. Differences in basis of consolidation for
accounting and regulatory purposes:
In terms of Regulatory guidelines, a consolidated
bank may exclude group companies which are
engaged in insurance business and businesses not
pertaining to nancial services. Hence, Canara HSBC
OBC Life Insurance Co. Ltd. (Holding 51% Insurance
Business) and Canara Bank Computer Services Ltd.
(Holding 69.14% Others) has been excluded for
regulatory purpose.
Quantitative Disclosures:
(d) The aggregate amount of capital deciencies in all
subsidiaries not included in the consolidation i.e. that
are deducted and the name(s) of such subsidiaries.
NIL
(e) The aggregate amounts (e.g. current book value)
of the banks total interests in insurance entities,
which are risk-weighted as well as their name, their
country of incorporation or residence, the proportion
of ownership interest and, if different, the proportion
of voting power in these entities.
1) Name : Canara HSBC OBC
Life Insurance Co. Ltd
2) Country of Incorporation : India
3) Ownership Interest : `4,845.00 Million (51%)

mMOl mm isM 2: me xUcl: TABLE DF 2: CAPITAL STRUCTURE:

ahiqM mMOl: Qualitative Disclosures:

WqU oM M OrU I me q DYuO zrU, AUi lkr AU
lulqw xjD ohQ zqs W|
oM U lulqwMU oQ (OrU I) AU OrU II me q zqs
MUl Wi rar Alr oQ p eU Mr ar| oQ M uuUh
lqllxAU W:
Our Banks Tier I Capital comprises of Equity Shares,
Reserves and Innovative Perpetual Bonds.
The Bank has issued Innovative Bonds (Tier I) and also
other Bonds eligible for inclusion in Tier 2 Capital. Details
of the Bonds are as under:

M) lulqwMU xii Gh sZi (AD m Q AD)- OrU I

xii u r
uuUh xjl eU ij Mml SU ` qsrl q
uMsm
Zs I pUi q 30.03.2009 30.03.2019 9.00% 2,403.00
Zs II pUi q 21.08.2009 21.08.2019 9.10% 6,000.00
Zs III pUi q 03.08.2010 03.08.2020 9.05% 7,493.00
oxs III Almsi 05.03.2015 05.03.2025 9.55% 15,000.00
pUi q
AiU OrU I
Ms 30,896.00

199
A) Innovative Perpetual Debt Instruments (IPDI) Tier I

Perpetual & Call

Particulars Place Date of Issue Coupon Rate ` in millions
Option
Series I In India 30.03.2009 30.03.2019 9.00% 2,403.00
Series II In India 21.08.2009 21.08.2019 9.10% 6,000.00
Series III In India 03.08.2010 03.08.2020 9.05% 7,493.00
Basel III Compliant In India 05.03.2015 05.03.2025 9.55% 15,000.00
Additional Tier I
TOTAL 30,896.00
Z) EiU OrU II oQ
uuUh xjl eU ij mUmYui ij Mml SU ` qsrl q
Zs I pUi q 16.09.2006 16.09.2021 9.00% 5,000.00
Zs II pUi q 23.03.2007 23.03.2022 10.00% 5,000.00
Zs III pUi q 29.09.2010 28.09.2025 8.62% 10,000.00

Ms 20,000.00
uSz qS oQ slSl 27.11.2006 28.11.2016 6.365% 250 q. rLx QsU
B) Upper Tier II Bonds
Particulars Place Date of Issue Date of Maturity Coupon Rate ` in millions
Series I In India 16.09.2006 16.09.2021 9.00% 5,000.00
Series II In India 23.03.2007 23.03.2022 10.00% 5,000.00
Series III In India 29.09.2010 28.09.2025 8.62% 10,000.00
TOTAL 20,000.00
FC Bonds London 27.11.2006 28.11.2016 6.365% 250 mn US $

a) lqliU OrU II oQ
uuUh xjl eU ij mUmYui ij Mml SU ` qsrl q
Zs I pUi q 16.09.2006 16.09.2021 9.00% 5,000.00
Zs II pUi q 23.03.2007 23.03.2022 10.00% 5,000.00
Zs III pUi q 29.09.2010 28.09.2025 8.62% 10,000.00
Ms 20,000.00
uSz qS oQ slSl 27.11.2006 28.11.2016 6.365% 250 q. rLx
QsU
Zs VIII pUi q 29.09.2005 29.04.2015 7.40% 5,000.00
Zs IX pUi q 01.03.2006 01.05.2015 8.15% 4,250.00
Zs IX M pUi q 15.09.2006 15.09.2016 8.85% 5,750.00
Zs X pUi q 30.03.2007 30.03.2017 9.90% 4,000.00
ZsXI pUi q 09.01.2008 09.01.2018 9.00% 7,000.00
ZsXII pUi q 16.01.2009 16.01.2019 8.08% 3,250.00
oxs III OrU II Zs I pUi q 03.01.2014 03.01.2024 9.73% 15,000.00
oxs III OrU II Zs II pUi q 27.03.2014 27.03.2024 9.70% 10,000.00
Ms 54,250.00

200
C) Lower Tier II Bonds

Particulars Place Date of Issue Date of Maturity Coupon Rate ` in millions

Series VIII In India 29.09.2005 29.04.2015 7.40% 5,000.00

Series IX In India 01.03.2006 01.05.2015 8.15% 4,250.00

Series IX A In India 15.09.2006 15.09.2016 8.85% 5,750.00

Series X In India 30.03.2007 30.03.2017 9.90% 4,000.00

Series XI In India 09.01.2008 09.01.2018 9.00% 7,000.00

Series XII In India 16.01.2009 16.01.2019 8.08% 3,250.00

BASEL III TIER II SER I In India 03.01.2014 03.01.2024 9.73% 15,000.00

BASEL III TIER II SER II In India 27.03.2014 27.03.2024 9.70% 10,000.00

TOTAL 54,250.00

OrU I me M iWi lulqwMU xii Gh sZi M qZr The main features of Innovative Perpetual Debt
uzwiL lqllxU W: Instruments (IPDI) Under Tier I Capital are as follows:

oM l cs u uw M SUl ADmQAD eU M W |
Cl Gh sZi M qWiumh uzwiL W :
r ol Mx ulS mUmYui Auk M xii xupu W |
r sZi, qa ucl m (oQ) M mMi q aU eqli
AmUuilr ah xii oQ W|
Cl sZi M xs U (x AU AD Lx AD Ls) LLL
(xjU) AU oMuM UOa U oQosrAU LLL UOa Sr
ar W |
Cl sZi mU xsl qrS ore SU xSr W |
ore xci lW Wa |
eU iUZ x 10 uw oS, pUir Ueu oM M
mulqSl M xj oM Cl M sL r-ur uMsm S
xMi W |
10 uw M xqmi Wl mU oM xOm-Am uMsm (sZi M mU
eulMs q LM W oU mra Mr e xMi W) MU xMi W
e 50 AkU olSA x AkM lW Wa| pUir Ueu oM
M mUm QoAQ.om.ox x. 75/21.06.001/2010-11
SlM 20/01/2011 M AlxU sZi M miSri M sL
MD xOm-Am r mixWl lW W | 12 xioU 2010 M
mWs eU M aD sZi oxs III M iWi m me sZi
M m q qlri mmi ol UWa |
The Bank has issued IPDI during the current nancial
year.
The important features of these instruments are:
The debt instruments are perpetual in nature without
any specic maturity period.
The instruments are Unsecured Non Convertible
Subordinated Perpetual Bonds in the nature of
promissory Notes (Bonds).
The debt instruments are rated AAA (Stable) from
CRISIL and BWR AAA from Brickwork Ratings.
Fixed rate of interest is payable on the debt
instruments, annually.
The interest shall not be cumulative.
The Bank has the call option after 10 years from the
date of issue with the prior approval of Reserve Bank
of India.
The Bank has step up option (shall be exercised only
once during the whole life of the instrument) at
the end of 10 years which shall be not more than
50 basis points. As per RBI circular DBOD.BP.BC.
No.75/21.06.001/2010-11 dated 20/01/2011 the
instruments should not have step ups or other
incentives to redeem. Instruments issued before Sept
12, 2010 will continue to be recognized as eligible
capital instruments under Basel III.

201
 r Gh sZi sM-Cl ZhQ M Akl Wa, exM AlxU,
rS (M) oM M x AU L AU, pUir Ueu oM U
lkUi lrliq ulrqM Am x Mq W el mU r
(Z) Lx pail M mUhq xum oM M x AU L AU,
pUir Ueu oM U lkUi lrliq ulrqM Am x
Mq W ei W r lc ol UWl mU oM ore AS MUl M
sL okr lW Wa |
Cl sZi q luzMiA M Su DYuO zrU q
luzMiA M Su M qMos EiU h M AU Alr
xp slSU M Su M qMos ah ql era |
ii xupu Wl M MUh, me mrmii M sL r sZi
qM o M Akl lW Wa |
sZi lzls xOM LYxcle BT CQr sqOQ
(LlLxD) q xco W |
EiU OrU II oQ M qZr uzwiL lqllxU W:
oM cs u uw M SUl oM l MD EiU OrU II oQ eU
lW Mr W |
Cl Gh sZi M qWiumh uzwiL W:
sZi ucl m (oQ) M m q Amipi miSr Aklxj
AmUuilr W|
Cl Gh sZi M xs U L L L (xjU) AU oM uM
UOa U oQosrAU L L L UOa Sr ar W|
eU MUl M iUZ x 10 uw M oS pUir Ueu oM M
AlqSl M xj oM M mx qa uMsm W |
10 uw M xqmi mU oM M xOm-Am uMsm W e 50
AkU olSA x AkM lW Wl W | pUir Ueu oM
M mUm QoAQ.om.ox x. 75/21.06.001/2010-11
SlM 20/01/2011 M AlxU sZi M miSri M sL
MD xOm-Am r mixWl lW W | 12 xioU, 2010 M
eU M aD `10,000 qsrl M EiU OrU II Zs III
sZi M me mrmii Mr M sL Alql sal M
uzw Alqi mSl M W | ijm, pUir Ueu oM l Aml
xxcl QoAQomox x. 16.284/21.06.201/2010-
11 SlM 19 Ams 2011 U Wq 12 xioU, 2010 M oS
eU M aD EmU OrU || xUe ||| M 10,000 qsrl M
sZi M me mrmiiM Ezr x xahi MUl M uzw
Alqi mSl M W |
sZi M Aml qlri M Aiq 5 uw M SUl 20%
mi uw M SU mU maq o mmi W | Lx o mmi
Uzr me mrmii Ezr M sL OrU II me q xqqsi
lW W |
The debt instruments shall be subjected to a lock-in
clause, in terms of which, the Bank shall not be liable
to pay interest, if (a) the Banks CRAR is below the
minimum regulatory requirement prescribed by RBI
or (b) the impact of such payment results in Banks
capital to risk weighted assets ratios (CRAR) falling
below or remaining below the minimum regulatory
requirement prescribed by the RBI.
The claim of investors in these instruments shall
be superior to the claims of investors in the equity
shares and subordinated to the claims of all other
creditors.
These debt instruments are not subjected to a
progressive discount for capital adequacy purposes
since these are perpetual in nature.
The instrument is listed on National Stock Exchange
of India Limited (NSE).
The main features of Upper Tier II bonds are as follows:
The Bank has not issued Upper Tier II Bond during the
current nancial year.
The important features of these debt instruments are:
The instruments are Unsecured Redeemable
Subordinated Non-Convertible in the nature of
promissory Notes (Bonds).
The debt instruments are rated AAA (Stable) from
CRISIL and BWR AAA from Brickwork Ratings.
The Bank has Call Option after 10 years from the date
of issue with the RBIs approval.
The Bank has step up option at the end of 10 years
that shall not be more than 50 basis points. As per RBI
circular DBOD.BP.BC.No.75/21.06.001/2010-11 dated
20/01/2011 the instruments should not have step
ups or other incentives to redeem. Instruments issued
before Sept 12, 2010 will continue to be recognized as
eligible capital instruments under Basel III. However,
RBI has accorded special permission to us vide their
communication DBOD.BP.BC.Mo.16.284/21.06.201/
2010-11 dated 19 April 2011 to reckon the Upper
Tier II Series III instrument of `10,000 million issued
post Sept 12, 2010 for the purpose of capital adequacy.
The instruments are subjected to a progressive
discount @ 20% per year during the last 5 years
of their tenure. Such discounted amounts are
not included in Tier II capital for capital adequacy
purpose.
202
 Auk M xqmi W el x r oM r-ur uMsm MUi
W i eU MUl M 10 uw M oS oQ M AMi qsr xq
qsr mU NQr e xMi W | ClM NQ r el M iUZ
M oS oQ mU ore r Alrj MD Uz AS lW M
eLa | r sZi UkiqM ZhQ x q W AU kUM M
mWs Mr el mU r pUir Ueu oM M xWqi M ol
ClW NQr lW e xMi W |
Cl Gh sZi q oS-ZhQ W exM AlxU (M) oM M x
AU L AU pUir Ueu oM U lkUi lrliq ulrqM
Am x Mq Wa, (Z) Lx pail M mUhqxum oM
M x AU L AU pUir Ueu oM U lkUi lrliq
ulrqM Am x Mq W ei W r Mq UW ei W i
oM ore AS MUl M sL okr lW Wa |
Cl sZi q luzMiA M Su OrU I me q xqqsi
Mr el M sL m sZi q luzMiA M Su M
qMos EiU h M AU Alr xp slSU M Su M
qMos ah ql era |
sZi lzls xOM LYxce BT CQr s. (Ll Lx D )
q xco M aD W|
lqliU OrU II oQ M qZr uzwiL lqllxU W:
oM cs u uw M SUl oxs III Almsi `25,000
qsrl M OrU II oQ eU M W| uuUh lqlui W :-
The face value of the Bond is redeemable at par, on
expiry of the tenure or after 10 years from issue if
the Bank exercises Call Option. The Bond will not
carry any obligation, for interest or otherwise, after
the date of redemption. The instruments are free
of restrictive clauses and not redeemable at the
initiative of the holder or without the consent of the
Reserve Bank of India.
The debt instruments shall be subjected to a lock-in
clause, in terms of which, the Bank shall not be liable
to pay interest, if (a) the Banks CRAR is below the
minimum regulatory requirement prescribed by RBI
or (b) the impact of such payment results in Banks
capital to risk weighted assets ratios (CRAR) falling
below or remaining below the minimum regulatory
requirement prescribed by the RBI.
The claims of the investors in these instruments
shall rank superior to the claims of investors in
instruments eligible for inclusion in Tier 1 capital and
subordinate to the claims of all other creditors.
The instrument is listed on National Stock Exchange
of India Limited (NSE).
The main features of Lower Tier II bonds are as follows:
The Bank has issued BASEL III Compliant Tier II Bonds
aggregating to `25,000 million during the previous
nancial year. The details are as follows:-

lqliU OrU II oQ
uuUh xjl eU ij mUmYui ij Mml SU ` qsrl q
oxs III OrU II Zs I pUi q 03.01.2014 03.01.2024 9.73% 15,000.0
oxs III OrU II Zs II pUi q 27.03.2014 27.03.2024 9.70% 10,000.0
Ms 25,000.0

Lower Tier II Bonds

Particulars Place Date of Issue Date of Maturity Coupon Rate ` in millions

BASEL III TIER II SER I In India 03.01.2014 03.01.2024 9.73% 15,000.0
BASEL III TIER II SER II In India 27.03.2014 27.03.2024 9.70% 10,000.0
Total 25,000.0

203
 Cl oQ M Auk 9 x 10 uw M W |
Gh sZi xs x LLL (xjU) ij CMU x LsLLL
qsrMi W |
r sZi mh m x mS, Amipi AU Alr slSU M
Su M mi ah, mioki ZQ x q AU kUM M mxiu
mU r pUir Ueu oM M xWqi M ol miSr lW W |
sZi M Aml qlri M Aiq 5 uw M SUl 20% mi
uw M SU mU maq o mmi W | Lx o mmi Uzr me
mrmii Ezr M sL OrU II me q xqqsi lW W|
Cl sZi q luzMiA M Su OrU I me q xqqsi
Mr el M sL m sZi q luzMiA M Su M
qMos EiU h M AU Alr xp slSU M Su M
qMos ah ql era |
The bonds have a tenure ranging from 9 to 10 years.
The debt instruments are rated AAA (Stable) from
CRISIL and LAAA from ICRA.
The instruments are fully paid up, unsecured and
subordinated to the claims of other creditors, free
of restrictive clauses and not redeemable at the
initiative of the holder or without the consent of the
Reserve Bank of India.
The instruments are subjected to progressive
discounting @ 20% per year over the last 5 years
of their tenure. Such discounted amounts are
not included in Tier II capital for capital adequacy
purposes.
The claims of the investors in these instruments
shall rank superior to the claims of investors in
instruments eligible for inclusion in Tier 1 capital and
subordinate to the claims of all other creditors.

mUqhiqM mMOl:
Uz (`
(` qsrl q)
qM qS
31.03.2015 31.03.2014
(M) OrU I me M Uz exq lql mMOl W:
mS zrU me 4,752.00 4,612.60
AUi lkr 252,157.00 232,339.20
lulqw sZi ($) 30,896.00 15,896.00
Alr me sZi - -
Em eQ 287,805.00 252,847.80
bOL : xZ u luz xWi OrU I me x MOi M ar Uzr 4,335.00 3,684.90
Ms OrU I me 283,470.00 249,162.90
(Z) OrU II me M Ms Uz (OrU II me x lus MOi) 91,320.00 97,802.60
(a) EiU OrU II me q xqqsi Mr el M sL m Gh me sZi
Ms oMr Uz 35,625.00 34,978.80
Clq x cs uw M SUl eOr ar Uz 0.00 0.00
me lkr M m q ahl M sL m Uz 15,125.00 19,991.50
(b) lqliU OrU II me q xqqsi Mr el M sL m ah Gh
Ms oMr Uz 54,250.00 61,885.00
Clq x cs uw M SUl eOr ar Uz 0.00 25,000.00
me lkr M m q ahl M sL m Uz 31,700.00 37,550.00
(X) me x Alr MOir, AaU MD W i 0.00 0.00
(c) Ms m me - OrU I + OrU II (M + Z - X) 374,790.00 346,965.50

($) xqr-xqr mU Alqi lulqwMU xjD Gh sZi ij Alr mMU M sZi

204
Quantitative Disclosures:

Sl Amount (` in millions)
Items
No 31.03.2015 31.03.2014
The amount of Tier I Capital, with separate disclosure of
Paid-up Share Capital 4,752.00 4,612.60
Reserves 252,157.00 232,339.20
Innovative Instruments ($) 30,896.00 15,896.00
(a)
Other Capital Instruments - -
Sub -total 287,805.00 252,847.80
Less amounts deducted from Tier I Capital, including Goodwill and Investments. 4,335.00 3,684.90
Total Tier I capital 283,470.00 249,162.90
(b) The total amount of Tier II Capital (net of deductions from Tier II Capital) 91,320.00 97,802.60
Debt Capital Instruments eligible for inclusion in Upper Tier II Capital
Total amount outstanding 35,625.00 34,978.80
(c)
Of which amount raised during the current year 0.00 0.00
Amount eligible to be reckoned as capital funds 15,125.00 19,991.50
Subordinated Debt eligible for inclusion in Lower Tier II Capital.
Total amount outstanding 54,250.00 61,885.00
(d)
Of which amount raised during the current year 0.00 25,000.00
Amount eligible to be reckoned as capital funds 31,700.00 37,550.00
(e) Other deductions from Capital, if any. 0.00 0.00
(f) Total eligible Capital - Tier I+ Tier II (a+b-e) 374,790.00 346,965.50

($) Innovative Perpetual Debt Instruments and any other type of instruments that may be allowed from time to time.

mMOl mm isM 3:: me mrmii: TABLE DF 3: CAPITAL ADEQUACY:

ahiqM m
mMOl:
oM me Arel mr q lql M xq MUi W:
oM M uiql me AuzrMi
MUoU Uhli ij eZq Am M AlxU si ij
olr UZlsrM me
me AuzrMi AU me CiqMUh M me rel xqi
exM xSxr E MrmsMah xSxr W,AukMir Almuil
MUi W | Aa, oQ xiU mU me Arel M lUh molk
Qualitative Disclosures:
In Capital Planning process the Bank reviews:
Current capital requirement of the Bank.
The targeted and sustainable capital in terms of
business strategy and risk appetite.
Capital need and capital optimization are monitored
periodically by the Capital Planning Committee
comprising Top Executives. Further, Capital Planning
is monitored at the Board level comprising of
Managing Director & CEO, Executive Directors and two

205
lSzM u qZr MrMU AkMU, MrmsM lSzM u S
xui lSzM U M ei W | Aaq, luz u Alwar/
xr Eq q luz q Alqli u mU ucU MUi WL
iqW iU mU me AuzrMi M mmi Mr ar W | xqi
ADxLLm u uel Sxiue q mahi Sbuk sr AlxU
me CqiMUh Wi ukui mUSzr uzswh MUi WL MUoU
u u me xUcl M TU x xaPi MUi WL AlxU me u
Wi Emsok up uMsm mU krl Sl Sa |
independent Directors. Capital requirement is projected
quarterly considering the expected growth in advances,
investments and investments in Subsidiaries / Joint
Ventures, etc. Committee takes into consideration
various options available for capital augmentation in
tune with business growth and realignment of Capital
structure duly undertaking the scenario analysis for
capital optimization in tune with its long term goals
enumerated in ICAAP and Vision documents.

mUqhiqM mMOl:
qM Uz (`
( qsrl q)
qS
31.03.2015 31.03.2014
(M) Gh eZq M sL me AuzrMiL

qlMMi SMh M Akl xupa 270,074.96 246,041.15

mipiMUh Gh eZq 0.00 0.00

(Z) oeU eZq M sL me AuzrMiL
qlMMi Auk SMh

ore SU eZq 13,087.60 13,090.56

uSz ulqr eZq (xuh xWi) 375.90 592.47

DYuO eZq 7,201.40 5,156.27

(a) mUcsl eZq M sL me AuzrMiL

AkU xMiM SMh 16,578.68 15,394.60

(b) oM M sL Ms u OrU I xAULAU

Ms xAULAU (%) 10.98 11.14

OrU I xAULAU (%) 8.30 8.00

(X) xqMi xqW M sL Ms AU OrU I xAULAU

Ms xAULAU (%) 11.01 11.37

OrU I xAULAU (%) 8.34 8.24

(c) qWiumh Alwa e xqMi xqW M iWi lW W,

M sL Ms AU OrU I xAULAU

Ms xAULAU (%) sa lW sa lW

OrU I xAULAU (%) sa lW sa lW

206
Quantitative Disclosures:

Sl Amount (` in millions)
Items
No 31.03.2015 31.03.2014
Capital requirements for Credit Risk
(a) Portfolios subject to Standardized Approach 270,074.96 246,041.15
Securitization Exposures 0.00 0.00
Capital requirements for Market Risk Standardized Duration Approach
Interest Rate Risk 13,087.60 13,090.56
(b)
Foreign Exchange Risk (including Gold) 375.90 592.47
Equity Risk 7,201.40 5,156.27
Capital requirements for Operational Risk
(c)
- Basic Indicator Approach 16,578.68 15,394.60
Total & Tier I CRAR for the Bank
(d) Total CRAR (%) 10.98 11.14
Tier I CRAR (%) 8.30 8.00
Total & Tier I CRAR for the Consolidated Group
(e) Total CRAR (%) 11.01 11.37
Tier I CRAR (%) 8.34 8.24
Total & Tier I CRAR for the Signicant Subsidiary which are not under Consolidated
Group
(f)
Total CRAR (%) NA NA
Tier I CRAR (%) NA NA

mMOl mm
isM 4:: Gh eZq: TABLE DF 4: CREDIT RISK: GENERAL
xqlr mMO
Ol: DISCLOSURES:
ahiqM mMOl: Qualitative Disclosures:

oM l oQ U AlqSi xZ eZq molkl li (xAULq
li) M xjmi Mr W, e M xp xZ eZq xoki
mWsA M zxi MUi W | xAULq li oM q xZ eZq
molkl Wi qs xi, qlM u SMh M UZMi MUi W|
rW xZ eZq M xr m x molki MUl Wi mhs,
mr, lrh u Emr xxjmi MUi W, xxkl M AlMsi
MUi W Lu oM M miMs xZ xjir q xU mSl MUi
W | xZ xq M qeU Wi zr M mirrel lSzM qQs
U AlqSi Mr ei W |
oM M lir xqi eZq EPl AU eZq ij miTs
q xuxj xisl M qli W | eZq mokl M AWq sr W
Bank has put in place Board approved Credit Risk
Management Policy (CRM Policy), which governs all credit
risk related aspects. CRM Policy outlines the principles,
standards and approach for credit risk management at
the Bank. It establishes systems, procedures, controls and
measures to actively manage the credit risks, optimize
resources and protect the bank against adverse credit
situations. The delegation of power for approval of credit
limits is approved by the Board of Directors.
The Banks policies assume moderate risk appetite
and healthy balance between risk and return. The
primary risk management goals are to maximize value
for shareholders within acceptable parameters and

207
xuMr qlSQ M ASU Lu ulrqM mkMU, eqMiA
AU Alr xOM kUM M AmA M Alm zrU kUM M
sL qsr AkMiq oll | oM M eZq mokl M qaSzM
x W : ulriqM Lu up AmA M Almsl, eZq
AU miTs q xisl Mrq MUl, eZq r Msm M
AeS xli MUl AU eZq mokl AU urmUM sr
M qs-qsm, oM M Gh eZq mokl mr zzs
xaPliqM xxMi Lu Px mUcsliqM mrA M mj
mU csi W exq MmUO qsr, Apu, xqir, urmUM
l xkl M lrel, AiUM lrh xxMi, mpuzs
AiUM UmOa Lu mxaM relA M xquz Wi W |
oM M xqa xZ eZq mokl Ezr lqllxU W :
uU xisi ahiqM M xj-xj mUqhiqM Gh
u exq eZq M AkMiq uukMUh W , xli
MUl |
Gh eZq AU xupa mU eU ulrqM uuMmh
qlSQ M Almsl xli MUl|
Gh eZq q lWi uuk mMU M eZq M mrmi m
x qsrlkUh |
xp ur eZq M mokl M LMMi xxOq M lqh
MUl exM iWi Gh eZq M mWcl, qml, laUl
AU lrh zqs W |
Uhlir AU mrr :
Gh eZq mokl M Emr Ezr M xMU MUl M sL oM
Gh eZq M mWcl, qml, xua Lu xqrl iMlMr,
Almuil AU UmOa, eZq lrh / mzql iMlMr ij
xqxrqsM Gh / EkU M mokl M sL AlMlM mir
lkUi MUi W| oM l si oeU, eZq xuMri qlM,
Gh AlqSl mkMU AU Gh urim / AlUh mrA M
p mUpwi Mr W|
Cl Uhlir M Gh eZq mzql M sL up Emr M S
q UZMU mri Mr ar W elq qWiumh ij si
oeU M mWcl, ulriqM qaSz xi AU eZq
xpsl q oM M qi, xMSM eZq AU UOa M AkU
mU qsrl M xuMr xiU xqWi W |
adequately addressing the requirements of regulatory
authorities, depositors and other stakeholders. The
guiding principles in risk management of the Bank
comprise of Compliance with regulatory and legal
requirements, achieving a balance between risk and
return, ensuring independence of risk functions, and
aligning risk management and business objectives. The
Credit Risk Management process of the Bank is driven
by a strong organizational culture and sound operating
procedures, involving corporate values, attitudes,
competencies, employment of business intelligence
tools, internal control culture, effective internal reporting
and contingency planning.
The overall objectives of Banks Credit Risk Management
are to:
Ensure credit growth, both qualitatively and
quantitatively that would be sectorally balanced,
diversied with optimum dispersal of risk.
Ensure adherence to regulatory prudential norms on
exposures and portfolios.
Adequately pricing various risks in the credit
exposure.
Form part of an integrated system of risk management
encompassing identication, measurement,
monitoring and control.
Strategies and processes:
In order to realize the above objectives of Credit Risk
Management, the Bank prescribes various methods for
Credit Risk identication, measurement, grading and
aggregation techniques, monitoring and reporting,
risk control/ mitigation techniques and management
of problem loans/ credits. The Bank has also dened
target markets, risk acceptance criteria, credit approval
authorities, and guidelines on credit origination/
maintenance procedures.
The strategies are framed keeping in view various
measures for Credit Risk Mitigation, which includes
identication of thrust areas and target markets, xing
of exposure ceiling based on regulatory guidelines and
risk appetite of the Bank, Minimizing Concentration Risk,
and pricing based on rating.
208
oM xqr-xqr mU ZQ M mMOl ij Ajuruxj M qa
M AkU mU Gh Sl M sL qi rar AU EimSl M
mWcli W | uiql AjM mUSzr M AkU mU Ea /
M qsrMl M AkU mU uMx qi lW UZlus q oM
Gh M mioki UZi W |
Gh x xoki oM M mUcsl mrL AU mhsr xSR
Gh eZq mokl xi mU lqi W AU r AukM m x
xq M Akl W |
Gh mxiu mU xqci m x krl Sr el M mr M iU
mU oM M urmM Gh eZq mWcl mr W |
Gh eZq mokl Mr M xUcl AU xaPl :
oM q Gh eZq mokl xUcl lqllxU W-
i. lSzM qQs
ii. oQ M eZq mokl xqi (AU Lq x o)
iii. Gh eZq mokl xqi (x AU Lq x)
iv. qQs xq iMlM Mr Ss ( Lq AU O Qosr e)
v. qW mokM - eZq mokl upa, mkl Mrsr (qZr
eZq mokl AkMU)
vi. Em qW mokM (I u II), eZq mokl upa
vii. Gh eZq mokl mpa, eZq mokl upa
viii. xZ eZq mokl mpa q xZ li Alpa, xZ
xZrM Alpa AU xZ eZq mokl Alpa Wi W |
xZ eZq mokl Alpa q il MqMe QxM W ex
xZ eZq mokl QxM, xZ eZq UOa QxM AU
Ea Alxkl QxM |
ix. qQs uMx Ss
x. qQs qlrMUh Ss (Lq u O)
xi. Acs Mrsr q eZq mokl AU xZ
xq Alpa
Bank from time to time would identify the potential and
productive sectors for lending, based on the performance
of the segments and demands of the economy. The Bank
restricts its exposures in sectors which do not have
growth potentials, based on the Banks evaluation of
industries / sectors based on the prevailing economic
scenario prospects, etc.
The operational processes and systems of the Bank
relating to credit are framed on sound Credit Risk
Management Principles and are subjected to periodical
review.
The Bank has comprehensive credit risk identication
processes as part of due diligence on credit proposals.
The structure and organization of the Credit Risk
Management Function:
Credit Risk Management Structure in the Bank is as
under-
i. Board of Directors
ii. Risk Management Committee of the Board (RMCB)
iii. Credit Risk Management Committee (CRMC)
iv. Model Review Technical Working Group (MRTWG)
v. General Manager-Risk Management Wing, H.O (Chief
Risk Ofcer)
vi. Deputy General Manager (I&II), Risk Management
Wing
vii. Credit Risk Management Department, Risk
Management Wing
viii. The Credit Risk Management Department comprises
of Credit Policy Section, Credit Statistics Section and
Credit Risk Management Section. The Credit Risk
Management Section has three functional desks,
the Credit Risk Management Desk, Credit Risk Rating
Desk and Industry Research Desk.
ix. Model Development Team
x. Model Validation Team (MVT)
xi. Risk Management & Credit Review Section at Circle
Ofces.
209
eZq UmOa AU / r qml xxOq M Mr AU
mMi :
oM M LM xqci eZq qml AU laUl mr W | eZq
M qml, oM U xjmi Gh eZq UOa AU xMUa qQs
M lkUi qeU mu mr x xm Wi W | Cl eZq q
x mirM M iWi qlSQ M mWcl M xj-xj ElW pUi
xMU lkUi MUl M sL AU I x VII M mql q ElM UOa
M sL oM q mirM eZq lkUh li W | aQ VIII r E
eZq aQ III M QTsO aQ MW ar W | me mUMsl
M sL qlMMi SMh M xok q pUir Ueu oM M
SzlSz M AlxU m Gh eZq M eZq pUi MUl
M sL qlrimmi o Gh qsrMl xxjl (D x L AD) U
S aD UOa M mra / qml M xok q oM M AuzrMi mU
eZq lkUh li eU Si W |
Gh eZq qml M sL xqxi Gh xupa M sL oM l
"qlMMi SMh" Amlr W | oM AD AU o SMh M
iUT AiUi Wl M sL mrx MU UW W ij Cx xok q xp
AuzrM MSq EPL W |
Gh eZq M xq MUl AU up SMh x Gh xupa
M laUl, uzswh MUl M sL xp mokl xcl mhs M
AmA M sL LM mpu Gh QO xaW xjmi MUl, eZq
pUi Axir (AU Qosr L) M mUMsl, Gh xok up
UmO M irU MUl M sL ij xxOq xqjl mmi MUl Wi
oM l LM xnOurU xsrzl M Emra Mr W |
ocu uruxj (Wea) AU / r eZq M Mq MUl AU ocu
uruxj / mzqM M xii mpuzsi M laUl MUl M sL
Uhlir AU mrL :
Gh qeU MUi xqr oM qZri EkUMi M ur xSRi AU
Gh M AS MUl M qi mU lpU UWi W | cMi M xi M
m q r EkUMi M Ghmi M qsrMl M sL LM uMsm
M m q xmM r aUOr mU oM AirkM lpU lW UWi
W | Lx urr elW Gh M sL m M m q qsrMi Mr
ar W, M Mus Cx AkU mU W Gh AxuMU lW MU Sr
ei W M ElM mx mrmi xmM lW W | .
Aml Gh eZq luz M mokl MUl M sL oM l Gh
qsrMi AU AlqSl lir AU mrr AmlD W elM
Alr MqMe upa x mUqz MUi WL mkl Mrsr xiU mU
The scope and nature of risk reporting and / or
measurement systems:
Bank has an appropriate credit risk measurement and
monitoring processes. The measurement of risk is
through a pre-sanction exercise of credit risk rating and
scoring models put in place by the Bank. The Bank has a
separate Risk Rating Policy for identifying the parameters
under each of these risks as also assigning weighted
scores thereto and rating them on a scale of I to VII. Grade
VIII or High Risk Grade III is termed as default grade. The
risk rating policy also entails the guidelines on usage/
mapping of ratings assigned by the recognized ECAIs
(External Credit Assessment Institutions) for assigning
risk weights for the eligible credit exposures as per
the guidelines of the RBI on standardized approach for
capital computation and also for pricing purposes.
The Bank has adopted Standardized Approach for entire
credit portfolio for credit risk measurement. The bank
is endeavouring to move towards IRB approaches and
made all necessary efforts in this regard.
The Bank has embarked upon implementation of a
software solution to get system support for establishing
a robust credit data warehouse for all MIS requirements,
computation of Risk Weighted Assets (RWA), generate
various credit related reports for review of exposure and
monitoring, and conducting analysis of credit portfolio
from various angles.
Policies for hedging and / or mitigating risk and
strategies and processes for monitoring the continuing
effectiveness of hedges / mitigants:
Bank primarily relies on the borrowers nancial strength
and debt servicing capacity while approving credits. Bank
does not excessively rely on collaterals or guarantees as
a source of repayment or as a substitute for evaluating
borrowers creditworthiness. The Bank does not deny
credit facilities to those assessed as credit worthy for
mere want of adequate collaterals.
In order to manage the Banks credit risk exposure, the
Bank has adopted credit appraisal and approval policies
and procedures that are reviewed and updated by the
Risk Management Wing at Head ofce in consultation
210
eZq mokl upa U xq M ei W AU Ail Mr
ei W | Gh qsrMl AU AlqSl mrA M xjsi: Gh
qsMMUh, qsrMl AU AlqSl ij lmOl q upei
Mr ar W |
MmUO url AU mUrel url Gh, uz m x
xjU Axir, xqlrir xm, xr AU EmMUh mU mjq
aWhkMU M U mipi W | oM ur Axir ex
umhlrar mipir M aUu M mipi p si W AU eW
MW xai W MmUO aUOr AU urM aUOr mmi M
ei W | Mrzs me Gh cs Axir, elq xOM AU
mmr Uzr lWi W, mU uz m x mjq aWhkMU M U
mipi Mr ei W |
xmM mU oM M mpU M Mll lii M xli
MUl M sL SxiueMUh mU oM l uxii SzlSz lkUi
Mr W |
Mx uz Ea M u AU spmSi M Alql M
AsM q AU oM M eZq-uWl qi M SZi WL Mx
uz Ea / q xupa uukMUh M xli MUl
AU Ms url eZq M qsrMl MUl oM M li W |
oM Ajuruxj M xp oQ AU uz m x up
Ea AU xuSlzs M uz eZq M laUl MUi
W| AaM MrMsm M Gh eZq, oM U lkUi Gh
eZq xqL e Ex Ea M MrlwmSl M uzswh M
AkU mU lkUi M ei W, M Akl W | oM M LMs AU
xqW EkUMiA M Gh eZq xj W oQ eZq M laUl
M ei W AU Ex xqr-xqr mU pUir Ueu oM U xci
Mr aL AlxU uuMmh xq qlSQ M piU lri Mr
ei W |
Gh urim qs xiU x Wi W exM zZ i AU Acs
Mrsr pUmU qSS MUi W | maR qsrMl, xqci eaMi
AU lkUh M AUp Mr el M mWs W mWcl AU Almra
M mr mUp W ei W |
Gh AlqSl mr LM xu Az Wi W e qeU mu
Aprl M m q EkUMi M AkSziqM Gh eZq M
UOa Mr el x z Wi W | EkUMi M xj sa WA Gh
eZq M qm-is, EkUMi M AjM xji, lMS muW,
r-Msm, uiql oeU uruWU, ai uruWU, mokl qir,
xWra urmU lMr M xj Alpu, xukA M xupu
AS M qsrMl MUi W | up mkMUr M EkUMiA
M AiUM eZq UOa h M AkU mU xZ qeU AkMU
with other functional wings. The credit appraisal and
approval process is broadly divided into credit origination,
appraisal, assessment and approval, and dispensation.
Corporate nance and project nance loans are typically
secured by a rst lien on xed assets, normally consisting
of property, plant and equipment. The Bank also takes
security of pledge of nancial assets like marketable
securities and obtains corporate guarantees and personal
guarantees wherever appropriate. Working Capital loans
are typically secured by a rst lien on current assets,
which normally consist of inventory and receivables.
Bank has laid down detailed guidelines on documentation
to ensure legal certainty of Banks charge on collaterals.
The Banks policy is to ensure portfolio diversication and
evaluate overall exposure in a particular industry / sector
in the light of forecasts of growth and protability for
that industry, and the risk appetite of the Bank. The Bank
monitors exposures to major sectors of the economy and
specically exposure to various industries and sensitive
sectors. Exposure to industrial activities is subjected
to the credit exposure ceilings xed by the Bank based
on the analysis on performance of the industry. The
Banks exposures to single and group borrowers as also
substantial exposure is xed as per the risk rating of the
borrowers and monitored periodically in order to keep
the exposure level within the prudential ceiling norms
advised by Reserve Bank of India from time to time.
The credit origination is through the grass root level ably
assisted by the branch net work and Circle Ofces. The
process of identication, application is carried out before
commencing an in depth appraisal, due diligence and
assessment.
The credit approval process is a critical factor and
commences with the mandatory credit risk rating of the
borrower as a pre sanction exercise. The measurement
of Credit Risk associated with the borrower evaluates
indicative factors like; borrowers nancial position,
cash ows, activity, current market trends, past trends,
management capabilities, experience with associated
business entities, nature of facilities etc. The credit
sanctioning powers delegated to the various authorities
based on internal risk rating categories of the borrower
already put in place. In terms of the Ministry of Finance
211
M mirrei Mr ar W | u qsr M Akxcl M AlxU
oM M mkl Mrsr ij Acs Mrsr q xZ AlqSl
xqir M aPl Mr ar W | mzxlM CMCr (Aji zZ
AkMU M Asu) M xp qeU mkMUr M xZ qeU
AkMU M umx sr ar W ij xqi SMh M sar
ar W | oM l clS zWU q Gh uiUh xUs oll M sL
ij uzwMi krl xli MUl M sL MSMi mxxMUh
MS (xmr), ZSU Axi MS (AULLc) ij LxLqD xsp
xxjmi Mr ar W |
lrh Mr M oRl M sL, uzwMi Gh xq, xqxr
Zi M laUl, xZ sZ mU AS z MUl M sL,
Asa xZ mzxl u laUl upa MrUi W | Cx x Gh M
qeU EmUi Almuil mU AkM eU xli Mr e xMi W
AU Gh xq i xok lir q Emsok up EmMUh M
Almra M zzs olr e xMi W |
Gh M mpu xq M sL oM l lqlsZi mhs xjmi
M W :
qeU lrq u zi M Almsl Wi mu-eU sZmU
mhs, xuiUh x mWs mipir M mhi xli MUi
WL lkUi xmM mipir M mui AS
`5.00 MUQ M xZ xq M xj qeU xp mMU M
xZ xukA Wi aU-Almsl u xkU M bOlA M
uzswh u mWcl MUl M sr xZ sZmU mhs |
mirM qeUSi mkMU U SL aL Gh M xq Exx
Aas EiU mkMU U M ei W |
LM li xq x FmU M EkU Zi M qkruk xq
M ei W |
up xiU mU uzw EssZi Zi (LxLqL) M laUl |
mu xkU r mlaPl Wi xr EkUMi TUq (eLsLT) M
aPl u xbr /eLsL Zi M qqs q xkUiqM MruW
rel (xLm) M xahl |
laUl Emr ex Gh laUl TqO (uo AkUi), iqW
xcl mhs, Ak uwM mUcsl mhs, xOM sZ-
mU, uzw laUl xc Zi AS |
zZA q Almuil Mr M sL mpU Gh Almuil
AkMU |
notications, Bank has set up Credit Approval Committees
at HO and circle levels. The credit sanctioning powers of
all the sanctioning authorities at administrative units
(i.e., besides branch powers) are withdrawn and the
committee approach for credit approval has been put
in place. The Bank has in place specialized branches viz.
Centralized Processing Units (CPUs), Retail Asset Hubs
(RAHs) and SME Sulabhs at select cities to ease credit
dispensation turnaround time and ensure specialized
attention.
To enhance the control measures, a separate Credit
Administration and Monitoring Wing is in place to
undertake exclusive loan review, monitoring problem
accounts, credit audit, etc. This ensures greater thrust
on post sanction monitoring of loans and strengthen
administering the various tools available under the
Banks policies on loan review mechanism.
For effective loan review, the Bank has the following in
place:
Pre-release Audit System for compliance to sanction
terms and conditions, obtention of stipulated
collateral securities ensuring perfection of securities
before disbursement etc.
Credit Audit System to identify, analyze instances
of non-compliance and rectication for all types of
credit facilities sanctioned with credit limit of Rs. 5
crore.
Review of loan sanctioned by each sanctioning
authority by the next higher authority.
Mid Term Review of borrowal accounts beyond a
certain level of exposure.
Monitoring of Special Mention Accounts (SMA) at
various levels. formation of a Joint Lenders Forum
(JLF) and formulation of Corrective Action Plan (CAP)
in the case of consortium/JLA accounts, for early
rectication or restructuring.
Monitoring tools like Credit Monitoring Format (web-
based), Quarterly Information Systems, Half Yearly
Operation Systems, Stock Audits etc.
Credit Monitoring Ofcers at branches in charge of
monitoring functions.
212
 LM xkUiqM MruW rel M UZMi MUi WL
LM qs xUcl uMxi M ar W e M xqxrqsM
Zi M mu-mWcl, uruWr Zi M xqr x mlaPl u
uxs r ur Wi GhSiA U Eci MSq EPr el
exx M oM q umMsl Zi xz W xM, M
mixWi MUa |
Msii AU AleM Gh :
Ar M mWcl, Axi uaMUh AU muklMUh M sL sa
uuMmh qlSQ M AlxU oM lqlsZi Gh AU Aaq
M hr M AleM Axir M m q lkUi MUi W, eW :
xuk Gh M xok q 90 Sl x AkM M Auk M sL
ore AU / r qskl M Mxi AiSr W |
AkuMw / lMS EkU M qqs q Zi "Auruxji"
W ei W| oMr zw xuMi xq / AWUh AkMU x
saiU AkM UWl sai W i Zi M "Auruxji" ql
ei W| mUcsl Zi q oMr zw xuMi xq / AWUh
AkMU x Mq W, sMl rj isl m M iUZ M
saiU 90 Sl iM MD eq lW W r Ex Auk M SUl
lq Qs ar ore M sL Uz mrmi l W i Cl Zi M
"Auruxji" qll cWL|
r ML aL AU plr ar os M qqs q e os 90
Sl x AkM M Auk M sL AiSr W |
Mw Aaq, ore AU / r qskl M Mxi M qqs q e
2 Txs qxq (Asmuk Txs M xok q) AU 1 Txs
qxq (Sbuk Txs M xok q) x AiSr W |
Alr Zi M xok q MD p mmr Uz e 90 Sl x
AkM M Auk M sL AiSr W |
Mx iqW q mpUi ore e Ex iqW M Ai x 90
Sl M piU mU iUW cMr lW ar W |
xqr-xqr mU ulrqM U lS AlxU |
A framework has been developed outlining
a corrective action plan that will incentivize
early identication of problem account, timely
restructuring of accounts which are considered to
be viable and taking prompt steps by lenders for
recovery or sale thereby revitalizing the distressed
accounts in the Bank.
Loans Past due and Impaired:
As per the prudential norms applied for income
recognition, asset classication and provisioning, the
Bank considers including following categories of loans
and advances as Non-performing Assets, wherein:
Interest and/or instalment of principal remain
overdue for a period of more than 90 days in respect
of a Term Loan.
The account remains out of order in respect of an
Overdraft/Cash Credit (OD/CC). An account should
be treated as out of order if the outstanding balance
remains continuously in excess of the sanctioned
limit/drawing power. In cases where the outstanding
balance in the principal operating account is less
than the sanctioned limit/drawing power, but there
are no credits continuously for 90 days as on the date
of Balance Sheet or credits are not enough to cover
the interest debited during the same period, these
accounts should be treated as out of order.
The bill remains overdue for a period of more than 90
days in the case of Bills Purchased and Discounted.
In case of agricultural advances, interest and/or
instalment of principal remains overdue for 2 crop
seasons (in respect of short duration crops) & 1 crop
season (in respect of long duration crops).
Any amount receivable that remains overdue for
a period of more than 90 days in respect of other
accounts.
Interest charged during any quarter is not serviced
fully within 90 days from the end of the quarter and
/or
As specied by the regulator from time to time.
213
mUqhiqM mMOl:
(M) Ms xMs Gh eZq
Uz (` qsrl q)
lk AkUi Gh eZq aU - lk AkUi
xqa Gh eZq Gh eZq
31.03.2015 31.03.2014 31.03.2015 31.03.2014
Ms xqa Gh eZq (Gh eZq mzql iMlM M
mpu ESWUhj xmM AU xqrel M krl q UZ
3,349,472.82 3,034,310.24 2,666,108.20 2,150,362.95
ol mrer sZMl mhs M AlxU mixisl M
sZMl MUl M oS )

Quantitative Disclosures:

(a) Total Gross Credit Exposures:

Amount (` in millions)
Fund Based Exposures Non-fund Based Exposures
Overall Credit exposure
31.03.2015 31.03.2014 31.03.2015 31.03.2014
Total Gross Credit Exposures (after accounting
offsets in accordance with the applicable
accounting regime and without taking into 3,349,472.82 3,034,310.24 2,666,108.20 2,150,362.95
account the effects of Credit Risk Mitigation
techniques, e.g. collateral and netting)

(Z) Gh eZq M pasM xuiUh:

Uz (` qsrl q)
lk AkUi aU - lk AkUi
Gh eZq
31.03.2015 31.03.2014 31.03.2015 31.03.2014
Sz mUcsl 3,121,130.00 2,841,589.35 2,548,434.51 2,021,899.05
uSz mUcsl 228,342.82 192,720.89 117,673.69 128,463.90

(b) Geographic Distribution of Exposures:

Amount (` in millions)
FUND BASED NON-FUND BASED
Exposures
31.03.2015 31.03.2014 31.03.2015 31.03.2014
Domestic operations 3,121,130.00 2,841,589.35 2,548,434.51 2,021,899.05
Overseas operations 228,342.82 192,720.89 117,673.69 128,463.90

214
(a) Ea M mMU M AlxU Gh eZq M xuiUh (uM)
Uz (` qsrl q)
lk AkUi oMr Ll LT o oMr
qM Ea
31.03.2015 31.03.2014 31.03.2015 31.03.2014
1.1 Zll AU EiZll 30,570.80 30,718.20 6,601.60 1,520.00
1.2 Z mxxMUh 93,182.50 68,830.80 4,287.30 4,520.00
1.2.1 cl 23,253.50 19,555.10 562.30 560.00
1.2.2 Z is AU ulxmi 4,186.20 2,606.70 562.70 1,400.00
1.2.3 cr 1,796.00 1,062.00 629.80 710.00
1.2.4 Alr 63,946.80 45,607.00 2,532.50 1,850.00
1.3 mr u ioM 8,590.80 7,540.00 571.30 250.00
1.4 ux 157,142.50 134,320.50 9,890.20 13,850.00
1.4.1 xi ux 72,451.20 60,197.60 3,813.60 3,150.00
1.4.2 eO ux 1,451.00 1,380.00 182.30 240.00
1.4.3 Alr ux 83,240.30 72,742.90 5,894.30 10,460.00
1.5 cqQ u cqQ EimS 11,993.50 12,332.70 237.90 320.00
1.6 sMQ AU sMQ EimS 6,210.00 4,460.00 975.50 1,440.00
1.7 Mae u Mae M EimS 25,940.80 20,730.10 6,089.90 4,640.00
1.8 mOsrq, Mrs EimS AU mUqh Dkl 33,696.50 48,195.90 23,214.90 28,250.00
1.9 Uxrl AU Uxrl EimS 57,789.90 42,298.80 6,965.80 7,759.40
1.9.1 EuUM 3,293.20 2,675.30 2,252.10 3,070.00
1.9.2 Awk u TqxrOMsx 25,839.70 17,408.40 1,860.40 2,030.00
1.9.3 mO MqMsx 5,881.10 3,719.60 253.30 349.40
1.9.4 Alr 22,775.90 18,495.50 2,600.00 2,310.00
1.10 UoQ, msxOM u ElM EimS 17,059.20 13,370.00 2,366.80 1,810.00
1.11 zz AU zz M xql 1,735.10 1,706.80 17.60 30.00
1.12 xqO AU xqO EimS 23,347.00 18,357.30 1,060.40 610.00
1.13 qs ki AU ki EimS 202,598.50 187,575.30 60,524.90 39,270.00
1.13.1 sW AU Cxmi 131,819.10 122,509.90 46,229.30 31,230.00
1.13.2 Alr ki AU ki EimS 70,779.40 65,065.40 14,295.60 8,040.00
1.14 xp CelrUa 80,144.50 71,680.50 157,519.20 52,623.40
1.14.1 CsYOlM 11,968.10 11,876.10 24,467.40 6,440.00
1.14.2 oes 22,008.20 18,550.00 62,510.80 17,923.40
1.14.3 Alr 46,168.20 41,254.40 70,541.00 28,260.00
1.15 uWl, uWl M me AU riri M EmMUh 41,194.50 32,448.20 16,002.30 6,950.00
1.16 U AU Apwh 11,696.20 11,180.00 11,063.90 10,890.00
1.17 lqh 57,841.50 48,672.50 64,131.60 44,130.00
1.18 AkUpi xUcl 849,647.70 645,301.30 68,191.00 38,910.00
1.18.1 Fe 531,704.10 438,329.90 41,390.30 32,210.00
1.18.2 SUxcU 79,195.30 73,731.70 23,648.60 3,910.00
1.18.3 xQM 103,778.70 70,380.00 821.90 680.00
1.18.4 WuD A 13,768.90 18,270.00 0.00 0.00
1.18.5 ml 10,716.20 10,920.00 108.00 110.00
1.18.6 Usu (pUir Usu M Asu) 39,994.20 11,730.00 922.20 1,670.00
1.18.7 Alr AkUpi xUcl 70,490.30 21,939.70 1,300.00 330.00
1.19 Alr Ea 104,447.30 198,651.10 7,376.50 8,340.00
Ea (sb, qkrq AU uWi M Ms) 1,814,828.80 1,598,370.00 447,088.60 266,112.80

215
(c) Industry Type Distribution of Exposures (Global)
Amount (` in millions)
SL FUND BASED EXPOSURE NFB EXPOSURE
INDUSTRY
NO. 31.03.2015 31.03.2014 31.03.2015 31.03.2014
1.1 Mining and Quarrying 30,570.80 30,718.20 6,601.60 1,520.00
1.2 Food Processing 93,182.50 68,830.80 4,287.30 4,520.00
1.2.1 Sugar 23,253.50 19,555.10 562.30 560.00
1.2.2 Edible Oils and Vanaspati 4,186.20 2,606.70 562.70 1,400.00
1.2.3 Tea 1,796.00 1,062.00 629.80 710.00
1.2.4 Others 63,946.80 45,607.00 2,532.50 1,850.00
1.3 Beverage & Tobacco 8,590.80 7,540.00 571.30 250.00
1.4 Textiles 157,142.50 134,320.50 9,890.20 13,850.00
2.4.1 Cotton Textiles 72,451.20 60,197.60 3,813.60 3,150.00
2.4.2 Jute Textiles 1,451.00 1,380.00 182.30 240.00
2.4.3 Other Textiles 83,240.30 72,742.90 5,894.30 10,460.00
1.5 Leather & Leather Products 11,993.50 12,332.70 237.90 320.00
1.6 Wood and Wood Products 6,210.00 4,460.00 975.50 1,440.00
1.7 Paper & Paper Products 25,940.80 20,730.10 6,089.90 4,640.00
1.8 Petroleum, Coal Products and Nuclear Fuels 33,696.50 48,195.90 23,214.90 28,250.00
1.9 Chemicals and Chemical Products 57,789.90 42,298.80 6,965.80 7,759.40
1.9.1 Fertilizer 3,293.20 2,675.30 2,252.10 3,070.00
1.9.2 Drugs & Pharmaceuticals 25,839.70 17,408.40 1,860.40 2,030.00
1.9.3 Petro Chemicals 5,881.10 3,719.60 253.30 349.40
1.9.4 Others 22,775.90 18,495.50 2,600.00 2,310.00
1.10 Rubber, Plastic & their Products 17,059.20 13,370.00 2,366.80 1,810.00
1.11 Glass and Glassware 1,735.10 1,706.80 17.60 30.00
1.12 Cement and Cement Products 23,347.00 18,357.30 1,060.40 610.00
1.13 Basic Metal and Metal Products 202,598.50 187,575.30 60,524.90 39,270.00
1.13.1 Iron and Steel 131,819.10 122,509.90 46,229.30 31,230.00
1.13.2 Other Metal and Metal Products 70,779.40 65,065.40 14,295.60 8,040.00
1.14 All Engineering 80,144.50 71,680.50 157,519.20 52,623.40
1.14.1 Electronics 11,968.10 11,876.10 24,467.40 6,440.00
1.14.2 Electricity 22,008.20 18,550.00 62,510.80 17,923.40
1.14.3 Others 46,168.20 41,254.40 70,541.00 28,260.00
1.15 Vehicles, Vehicle Parts and Transport Equipments 41,194.50 32,448.20 16,002.30 6,950.00
1.16 Gems & Jewellery 11,696.20 11,180.00 11,063.90 10,890.00
1.17 Construction 57,841.50 48,672.50 64,131.60 44,130.00
1.18 Infrastructure 849,647.70 645,301.30 68,191.00 38,910.00
1.18.1 Power 531,704.10 438,329.90 41,390.30 32,210.00
1.18.2 Telecommunications 79,195.30 73,731.70 23,648.60 3,910.00
1.18.3 Roads 103,778.70 70,380.00 821.90 680.00
1.18.4 Airport 13,768.90 18,270.00 0.00 0.00
1.18.5 Ports 10,716.20 10,920.00 108.00 110.00
1.18.6 Railways (other than Indian Railways) 39,994.20 11,730.00 922.20 1,670.00
1.18.7 Other Infrastructure 70,490.30 21,939.70 1,300.00 330.00
1.19 Other Industries 104,447.30 198,651.10 7,376.50 8,340.00
INDUSTRY (Total of Small, Medium and Large Scale) 1,814,828.80 1,598,370.00 447,088.60 266,112.80

216
Ea M Gh eZq eW oMr eZq oM M Ms xqa Gh eZq M 5%
% x AkM W, lqlui W:
Ms Gh eZq Ms xqa Gh
qM Ea
(` qsrl q) eZq M %
1 Fe 573,094.40 9.53

Credit Exposure of industries where outstanding exposure is more than 5% of the Total Gross Credit Exposure of the
Bank is as follows:

Total Exposure
Sl No Industry % of Total Gross Credit Exposure
(` in millions)
1 Power 573,094.40 9.53

(b) Axir M Auz xuSiqM mUmYui upel (uM)

Uz (` qsrl q)
(Uz ` qsrl q) Aaq luz uSz qS Axi
0 x 1 Sl 171,350.40 2,112.50 36,009.30
(94,882.20) (2,379.70) (14,795.91)
2 x 7 Sl 115,131.70 25,000.00 17,443.40
(136,358.60) (5,490.20) (33,054.90)
8 x 14 Sl 86,225.80 50.00 30,735.90
(111,190.00) (556.30) (13,779.80)
15 x 28 Sl 145,753.30 3,475.43 25,642.50
(162,313.80) (6,304.10) (19,843.44)
29 Sl x 3 qWl iM 281,351.00 68,678.04 97,987.60
(207,013.00) (24,068.20) (77,123.77)
3 qWl x AkM u 6 qWl iM 208,377.70 33,944.66 48,822.50
(214,633.70) (13,400.20) (93,852.81)
6 qWl x AkM u 1 xs iM 471,283.00 50,817.33 109,262.90
(401,353.20) (22,276.50) (38,067.04)
1 xs x AkM u 3 xs iM 826,046.00 168,685.17 62,404.70
(763,646.60) (123,320.90) (63,824.11)
3 xs x AkM u 5 xs iM 359,022.70 325,671.85 28,741.40
(279,747.30) (300,922.90) (30,137.30)
5 xs x AkM 635,813.50 775,026.88 35,610.10
(639,536.40) (769,563.50) (6,223.90)
Ms 3,300,355.10 1,453,461.86 492,660.30
(3,010,674.80) (1,268,282.50) (390,162.98)

(MM q SL aL AM mNs uw M W)

217
(d) Residual Contractual Maturity Breakdown of Assets (Global)
Amount (` in millions)

Maturity Pattern Advances Investments Foreign Currency Assets

171,350.40 2,112.50 36,009.30
0 to 1 day
(94,882.20) (2,379.70) (14,795.91)
115,131.70 25,000.00 17,443.40
2 to 7 days
(136,358.60) (5,490.20) (33,054.90)
86,225.80 50.00 30,735.90
8 to 14 days
(111,190.00) (556.30) (13,779.80)
145,753.30 3,475.43 25,642.50
15 to 28 days
(162,313.80) (6,304.10) (19,843.44)
281,351.00 68,678.04 97,987.60
29 days to 3 months
(207,013.00) (24,068.20) (77,123.77)
208,377.70 33,944.66 48,822.50
Over 3 months & upto 6 months
(214,633.70) (13,400.20) (93,852.81)
471,283.00 50,817.33 109,262.90
Over 6 months & upto 1 year
(401,353.20) (22,276.50) (38,067.04)
826,046.00 168,685.17 62,404.70
Over 1 year & upto 3 years
(763,646.60) (123,320.90) (63,824.11)
359,022.70 325,671.85 28,741.40
Over 3 year & upto 5 years
(279,747.30) (300,922.90) (30,137.30)
635,813.50 775,026.88 35,610.10
Over 5 years
(639,536.40) (769,563.50) (6,223.90)
3,300,355.10 1,453,461.86 492,660.30
Total
(3,010,674.80) (1,268,282.50) (390,162.98)

(The gures in brackets relate to previous year)

218
(X) AleM Axir:
Uz (` qsrl q)

qM qS 31.03.2015 31.03.2014

M) xMs Ll m L 130,399.60 75,702.10

AuqlM 70,760.20 34,363.40
xSak 1 32,375.90 24,303.60
xSak 2 27,263.50 16,928.60
xSak 3 0.00 106.50
Wl 0.00 0.00
Z) lus Ll m L 87,400.90 59,654.60
a) Ll m L Almi
xMs Ll m L M mi xMs Aaq (%) 3.89 2.49
lus Ll m L M mi lus Aaq (%) 2.65 1.98
b) Ll m L M EiU-cR u (xMs)
mUpM zw 75,702.10 62,601.60
xukl 108,695.30 84,436.20
Mq 53,997.80 71,335.70
Ci zw 130,399.60 75,702.10
X) AleM Axi M EiU-cR u Wi mukl
mUpM zw 15,608.40 9,329.60
ulqr AxjUi mU xqrel (32.50) 304.60
uw M SUl ML aL mukl 41,757.10 22,380.30
o Zi q Qsl 14,796.20 15,912.50
AiU mukl M misZl 0.00 493.60
Ci zw 42,536.80 15,608.40
c) AleM luz xok Uz 2,820.41 2,848.10
N) AleM luz Wi kUi mukl xok Uz 2,318.76 2,198.10
e) luz mU qsrx Wi mukl M EiU-cRu
mUpM zw 1,636.54 2,128.00
Auk M SUl Mr ar mukl 807.23 550.10
o Zi q Qsl 0.00 0.00
AiU mukl M misZl 125.01 1,041.60
Ci zw 2,318.76 1,636.50

219
(e) Non-Performing Assets:
Amount (` in millions)

Sl
Items 31.03.2015 31.03.2014
No
a) Gross NPAs 130,399.60 75,702.10
Sub-Standard 70,760.20 34,363.40
Doubtful 1 32,375.90 24,303.60
Doubtful 2 27,263.50 16,928.60
Doubtful 3 0.00 106.50
Loss 0.00 0.00
b) Net NPAs 87,400.90 59,654.60
c) NPA Ratios
Gross NPAs to Gross Advances (%) 3.89 2.49
Net NPAs to Net Advances (%) 2.65 1.98
d) Movement of NPAs (gross)
Opening balance 75,702.10 62,601.60
Additions 108,695.30 84,436.20
Reductions 53,997.80 71,335.70
Closing Balance 130,399.60 75,702.10
e) Movement of Provisions for NPAs
Opening Balance 15,608.40 9,329.60
Adjustment towards Exchange Fluctuation (32.50) 304.60
Provisions made during the Year 41,757.10 22,380.30
Write-off 14,796.20 15,912.50
write back of excess provisions 0.00 493.60
Closing Balance 42,536.80 15,608.40
f) Amount of Non-performing Investments 2,820.41 2,848.10
g) Amount of Provisions held for Non-performing Investments 2,318.76 2,198.10
h) Movement of Provisions for Depreciation on Investments
Opening Balance 1,636.54 2,128.00
Provisions made during the period 807.23 550.10
Write-off 0.00 0.00
Write Back of excess Provisions 125.01 1,041.60
Closing Balance 2,318.76 1,636.50

220
mMOl mm isM 5:: qlMMi SMh
M Akl xupa M mMOMUh:
ahiqM mMOMUh:
(M) qlMMi SMh M Aiai xupa M sL:
oM l qlMMi SMh M iWi me mpU M mUMsl
M sL Gh eZq M UOa ij eZq pUi lkUh M
sL lql QO UOa Lexr M AlqSi Mr W |
Sz xZ UOa Lexr:
oMuM UOax CQr mCuO sqOQ (oMuM)
xZ uzswh u Alxkl sqOQ (MrU)
xs sqOQ
CMU sqOQ
CQr UOax u Alxkl mCuO sqOQ (mWs Tc CQr)
xqU UOax sqOQ
AiUr xZ UOa Lexr:
xOQQ u mAU
qQe
Tc
Lexr M Cxiqs ML aL Gh eZq M mMU:
Emr xp Lexr M xp mMU M Gh eZq M UOa M
sL AlqSi Mr ar W |
oMa oWr q xuelM laq xok UOa M islr Axi
q AiUh MUl Wi mr mr xok uuUh:
oM xuelM m x Emsok mji uk UOa M Emra
MUi W elM xq qlrimmi ij oWU Gh qsrMl
xxjA M m q el elus oWU Gh qsrMl
xxjl (DxLAD) MUi W |
EkUMi M Gh eZq pUi M mWcll Wi oM U
oM Gh UOa M mra Mr ei W | eW eUMi UOa
Emsok W, eo iM oM Gh M uz m x UOa lW
Mr ar W, io iM oM Cx mMU M UOa M Cxiqs
MUi W|
oM U LM W EkUMi M Mx LM Gh eZq M
sL LM DxLAD M AU SxU Gh eZq M sL SxU
DxLAD M mra lW Mr ei, eo iM M xoki Gh
eZq M UOa Mx LM clS DxLAD U W Mr ar
W | Aa, Mx MmUO xqW M piU mirM xxj M sL
lkUi UOa M, Ex xqW M Mx Alr xxj M eZq
pU M lkUh M sL oM mra lW MUi W |
TABLE DF 5: DISCLOSURES FOR PORTFOLIOS
SUBJECT TO THE STANDARDIZED APPROACH:
(i) Qualitative Disclosures
(a) FOR PORTFOLIOS UNDER THE STANDARDIZED
APPROACH:
The Bank has recognized following credit rating
agencies for the purpose of rating of an exposure
& assigning risk weights for computation of capital
charge under standardized approach.
Domestic Credit Rating Agencies:
Brickwork Ratings India Private Limited (Brickwork)
Credit Analysis & Research Limited (CARE)
CRISIL Limited
ICRA Limited
India Ratings and Research Private Limited (Formerly
FITCH India)
SMERA Ratings Limited
International Credit Rating Agencies:
Standard & Poor
Moodys
FITCH
Types of exposure for which each agency is used:
All the above agencies are recognized for rating all types
of exposures.
A description of the process used to transfer public issue
ratings onto comparable assets in the banking books:
The Bank uses only publicly available solicited
ratings that are valid and reviewed by the recognized
External Credit Rating Agencies, referred as External
Credit Assessment Institutions (ECAI).
Bank uses Bank Loan Rating for risk weighting
the borrowers exposures. Where Issuer Rating is
available, the Bank uses such ratings unless the bank
loan is specically rated.
The Bank does not simultaneously use the rating of
one ECAI for one exposure and that of another ECAI
for another exposure of the same borrower, unless
the respective exposures are rated by only one of the
chosen ECAIs. Further, the Bank does not use rating
assigned to a particular entity within a corporate
group to risk weight other entities within the same
group.
221
 lMS Gh ex mUcsl xqA M Sbuk Gh eZq
M m q ql ei W AU iSlxU Lx Gh eZq M
sL eZq pU M lkUh M sL Sbuk UOa M mra
Mr ei W |
DxLAD U lkUi UOa M qml / sa MUi xqr oM,
ulrqM SzlSz / oM M lSzM qQs U AlqSi
li x qaSzi Wi W |
eW Gh eZq / EkUMiA M clS DxLAD x LM
x AkM UOa mmi W, uW oM eZq pUi M mUMsl
M sL lql mrL Amli W :
o cl WD DxLAD, e p eZq pU M qml MUi
W, U S UOa W i Lx xji q E eZq pU M
sa Mr ei W|
o eW cl WD DxLAD U il r Exx AkM UOa
S ei W, e up eZq pU x eQi W i Lx
xji q 2 lqliq UOa M Alm UOa M sr
ei W AU El q x Eiq eZq pU M sa Mr
ei W|
Running limits such as Cash Credit are treated as
long term exposures and accordingly, long term
ratings are used for assigning risk weights for such
exposures.
While mapping/applying the ratings assigned by the
ECAIs, the Bank is guided by regulatory guidelines/
Banks Board approved Policy.
Where exposures/ borrowers have multiple ratings
from the chosen ECAIs, the Bank has adopted the
following procedure for risk weight calculations:
o If there are two ratings accorded by chosen ECAIs,
which map into different risk weights, the higher
risk weight is applied.
o If there are three or more ratings accorded by
the chosen ECAIs which map into different risk
weights, the ratings corresponding to the lowest
2 ratings are referred to and higher of those two
risk weights is applied.

mUqhiqM mMOl:
mqZ eZq q oM LYxmeU M Uz - Ms Aaq (lkUi u AlkUi)- eZq mzqM (Aji xmM) M Mq MUl
M mi qlMMi SMh M Aiai:
Uz (` qsrl q)
lk AkUi aU-lk AkUi
qM uuUh
31.03.2015 31.03.2014 31.03.2015 31.03.2014
1 100% x Mq eZq pU 3,601,067.58 3,130,336.20 727,213.70 1,791,548.20
2 100% eZq pU 956,606.15 933,841.70 359,422.44 674,130.30
3 100% x erS eZq pU 610,406.76 544,486.80 277,485.17 253,408.20
4 Mq Mr ar (e Zq m z qM) 426,444.09 375,654.30 130,655.51 125,497.70
Ms 4,741,636.40 4,233,010.40 1,233,465.80 2,593,588.90

Quantitative Disclosures:
Amount of the Banks Exposures Gross Advances (Rated & Unrated) in Major Risk Buckets under Standardized
Approach, after factoring Risk Mitigants (i.e. Collaterals):
Amount (` in millions)
Sl FUND BASED NON-FUND BASED
Particulars
No 31.03.2015 31.03.2014 31.03.2015 31.03.2014
1 Below 100% Risk Weight 3,601,067.58 3,130,336.20 727,213.70 1,791,548.20
2 100% Risk Weight 956,606.15 933,841.70 359,422.44 674,130.30
3 More than 100% Risk Weight 610,406.76 544,486.80 277,485.17 253,408.20
4 Deducted (Risk Mitigants) 426,444.09 375,654.30 130,655.51 125,497.70
TOTAL 4,741,636.40 4,233,010.40 1,233,465.80 2,593,588.90

222
mUMOl mm isM 6:: Gh eZq Mq
MUl - qlMMi SMh:
ahiqM m
mMOl:
xmM qsrMl AU mokl M sL li AU mr: mpu
xmM mokl M sL oM M lSzM qQs U mkMi
xmM mokl li W e mr, Ezr, xmM M xuMi
mMU, Eci mokl xcl mhs xWi mUZ lkUi MUi W|
xW m q sr ar AU mokl Mr ar xmM AU aUOr
lql M sL xWrM Wa:
mirzi lMS muW q Amrmii r Mx Alrj Gh
xuk M cMi M xok q EkUMi U cM Wl mU
cMi M SxU xi mSl MUi WL eZq M Mq MUl|
cM Wl mU cMi M xi mU lrh ml |
EkUMi M aUi cMi qi mU zb ciul Sl AU
eZq pUi Axir M oRl AU mrmi m x Auz
eZq M luUh MUl|
oM Aml xql A UW Gh eZq M Mq MUl M sL MD
iMlM M Cxiqs MUi W | xzki SMh pUi M oM
M xqa SMh ( Sl qlMMi ij AD AU o SMh
M iWi), e Gh eZq mU xmM M xmh BTxO M mi
Gh eZq Uz M xmM M sL ql aL qsr M U
mpu m x Mq MUl Wi, Amll M sL Alqi MUi W |
Cx SMh M iWi, oM, e m ur xmM mmi MUi
W, u xmM M eZq mzql mpu M Wxo sMU me
AuzrMiA M mUMsl MUi xqr mim M Gh eZq M
Mq MUl M sL Alqi W |
oM M xmM mokl mr AU AcUh q, xU AU
xmM qsr M xU u xUh, xmM AU aUOr M
uki AU qsrMl / lrqi lUh xWi xmh ruk
muUi W |
qsrMl: oM U mSl Mr ar Gh M mipi MUl Wi mmi
Acs AU cs Sl Axir oM U xco M aD oWU
qsrMlMiA U qsrMl M Akl W| Zi M qSM xq,
EkUMi M xm M uaMUh, exM qsrMl Mr el
W, qsrMl M AukMi AS oM M li xok SzlSz
q EssZi M ar W| oM lrqi AiUs q qsrMl M
SzlSz M xq MUi W |
TABLE DF 6: CREDIT RISK MITIGATION
STANDARDIZED APPROACH:
Qualitative Disclosure:
Policies and processes for collateral valuation and
management: The Bank is having a Board approved
collateral management policy which lays down the
process, objectives, accepted types of collaterals and the
framework including suitable management information
system for effective collateral management. The
Collaterals and guarantees properly taken and managed
that would serve to:
mitigate the risk by providing secondary source of
repayment in the event of borrowers default on a
credit facility due to inadequacy in expected cash
ow or not;
gain control on the source of repayment in the event
of default;
provide early warning of a borrowers deteriorating
repayment ability; and
Optimize risk weighted assets and to address
Residual Risks adequately.
Bank uses a number of techniques to mitigate the credit
risks to which they are exposed. The revised approach
allows banks in India to adopt the Comprehensive
Approach (under both the Standardized and IRB
approaches) which allows fuller offset of collateral
against exposures by effectively reducing the exposure
amount by the value ascribed to the collateral. Under
this approach, banks, which take eligible nancial
collateral, are allowed to reduce their credit exposure
to the counterparty when calculating their capital
requirements by taking into account the risk mitigating
effect of the collateral.
Collateral Management process and practices of the
Bank cover the entire activities comprising security and
protection of collateral value, validity of collaterals and
guarantees, and valuation / periodical inspection.
Valuation: Both the Fixed and the Current Assets obtained
to secure the loans granted by the Bank are subjected to
valuation by valuers empanelled by the Bank. Monetary
limits of the accounts, asset classication of the borrower,
which is to be subjected to valuation, periodicity of
valuation, are prescribed in the Banks policy guidelines.
Bank reviews the guidelines on valuation periodically.
223
oM U sr ar xmM M mqZ mMU xok uuUh:
eZq M Mq MUl Wi oM U xqlri: mr mqZ xmM
mMU q ur xmM ( Aji lMS, oM eqL, eul oq
msxr, Ll Lx x, M u m, QM upa U mir m x
eU xUMU mipir, oM U AlqSi sqOQ Mmlr M
DYuO zrU, QocU, qrcAs TQ M CMCr, Me mipir
AS), up mMU M cs u Acs xmr / Axir AS
zqs W| ijm, qlMMi SMh M iWi AuzrM me M
mUMsl Wi MN uz xmM M m eqli M m q
qlri S aD W |
aUOMi mim AU ElM Gh mi M mqZ mMU: oM xur
xxjA (oADLx, ADLqLT, rUmr xOs oM u rUmr
xqi, oWmr uMx oM, Dxex ij xeOLqLxD
xWi xur Mmlr) M aUOr mmi / xuMU MUi W| CxM
Asu, Gh eZq M Mq MUl M AiU xuk M m q
oM urM r MmUO aUO mmi MUi W exM aUOMi M
FmU mir Su M m q mUuii Mr e xMi W AU rW zi
UWi ij AuMsm W| aUOMi M xZ xqlri: EkUMi M
AjM xji x xo r mpui lW Wi W | Uer / MSr
xUMU U S ar aUO M p oM mipi M m q xuMU
MUi W| Lx mipir io iM mpu UWi W eo iM muUi
xuk M mU iUW x cMi r lmOl r eU lW W ei W|
lD me mrmii mUZ M Aiai me AmA M Mq MUl
M Ezr x oM U qlri mmi Gh eZq mzql (oxs II
qlM) : lD me mrmii mUZ (oxs-II qlM) M Aiai
me AmA M Mq MUl M Ezr x oM l lMS, oM M
le eqL, xuh u xuh Apwh M Gh eZq mzql M
m q qlri S W|
mzql Wi EPr ar Emr M Aiai eZq MSMUh xok
xcl: Gh eZq M mokl AU xmM M eZq MSMUh
xWi xmM mokl M mpu qsrMl M xxkr oll Wi
oM U LM QO urU WEx oll M mr cs UW W|
Description of the main types of collateral taken by
the Bank: The collateral commonly used by the Bank
as risk mitigants comprises of Financial Collaterals
(i.e. Cash, Bank deposits, Life Insurance policies, NSC,
KVP, Government securities issued directly / by postal
departments, equity shares of limited companies other
than the Bank and approved by the Bank, debentures,
units of mutual funds, debt securities etc.), different
categories of moveable assets and immoveable assets /
properties etc. However, for the purpose of computation
of capital required under Standardized Approach, certain
specic nancial collaterals have been recognized as
eligible collateral.
Main types of Guarantor counterparty and their
creditworthiness: Bank obtains/ accepts guarantees
of sovereign, sovereign entities (including BIS, IMF,
European Central Bank and European community as
well as Multilateral Development Banks, ECGC and
CGTMSE). Besides this, Bank also obtains Personal or
Corporate guarantee having adequate net worth, as an
additional comfort for mitigation of credit risk which can
be translated into a direct claim on the guarantor, and
are unconditional and irrevocable. The Creditworthiness
of the guarantor is normally not linked to or affected by
the borrowers nancial position. The Bank also accepts
guarantee given by State / Central Government as a
security comfort. Such Guarantees remain continually
effective until the facility covered is fully repaid or settled
or released.
Credit Risk Mitigation recognized by the Bank for the
purpose of reducing capital requirement under New
Capital Adequacy Framework (Basel II Norms): The Bank
has recognized Cash, Banks own Deposits, Gold & Gold
Jewellery as Credit Risk Mitigations for the purpose of
reducing capital requirement under the New Capital
Adequacy Framework (Basel II Norms).
Information about risk concentration within the
mitigation taken: The Bank has already initiated
steps for putting in place a data warehouse for a
robust Management Information System (MIS) to
facilitate management of Credit Risk and evaluation of
effectiveness of collateral management including risk
concentrations of collaterals.
224
mUqhiqM mMOl: Quantitative Disclosures:
(` qsrl q) Amount (` in millions)
SL
qM uuUh 31.03.2015 31.03.2014 PARTICULARS 31.03.2015 31.03.2014
NO
1 mirM Asa x mMOMi 1 The total exposure
Gh eZq xupa M (after, where applicable,
sL qel sa MUl M on- or off balance sheet
oS, m ur xmM netting) that is covered
M U muUi Ms Gh by eligible nancial
eZq (isl m u isl collateral after the
m CiU M xqrel application of haircuts
MUl M mi, eW MW for each separately
sa W) 522,612.83 479,925.38 disclosed credit risk
2 mirM Asa x mMOMi portfolio 522,612.83 479,925.38
Gh eZq xupa 2 The total exposure
M sr aUOr / Gh (after, where applicable,
urimr x (eo Mp on- or off-balance sheet
p.U.oM U uz netting) that is covered
m x Alqi) muUi by guarantees/credit
Ms Gh eZq (isl derivatives (whenever
m u isl m CiU M specically permitted by
xqrel MUl M mi, RBI) For each separately
eW MW sa W) 283,554.84 245,019.15 disclosed portfolio 283,554.84 245,019.15

mMOl mm is
isM
M 7:: mipiMUh- TABLE DF 7: SECURITIZATION
qlMMi SMh: STANDARDIZED APPROACH:
ahiqM mMOl: Qualitative Disclosures:

li SzlSz mipiMUh M qkrq x Axir M AiUh
ij lMS muW M mir xqlSzl M W muUi MUi W e
Ali AkU mU W |
qlMMi Axir M mipiMUh mU oM M SL aL SzlSz
q lqlai oi zqs W :-
Axir M mipiMUh x xoki mukl
lMS muW M mir xqlSzl M qkrq x qlMMi
Axir M AiUh x xoki zi |
oM M uiql liai SzlSz LM muiM (oM, Ll o LT x
/ LT AD) x xqWM lk M ZUS M Mr MUi W | muiM
The policy guidelines cover guidelines involving transfer
of assets through Securitisation and direct assignment
of cash ows and are on without recourse basis.
The guidelines to banks on securitisation of standard
assets contain:
The provisions relating to securitization of assets.
Stipulations regarding transfer of standard assets
through direct assignment of cash ows.
The banks existing policy guidelines deals with purchase
of pools from an originator (Bank/NBFC/FI). Purchase of
assets through Direct Assignment of cash ows from

225
oM / Ll o LT x / LT AD x lMS muW M mir xqlSzl
M qkrq x Axir M ZUS LL ij Exx FmU qsrus x
W | oM Aux Gh, xm M Lue q Gh, Mus AxjU SU
qeU Lq Lx Lq D, x xoki AkUpi Axir M mOTsr
r mOTsr M Az M ZUSi W |
oM U mU M el us AuzrMiA M li UZMi MUi
W rj, Gh M ZUS mU miolk, ms q m EkUMiA M
xqu MUl, rjci uuM - MuDx Almsl Wi qlM,
ZUS ar Axir M ms q EkUMiA M xok q xuiUh x
mWs Almsi M el us AuzrMiL, qsMi M rjci
uuM, ilu mUh, xZ laUl |
oM pUi q Alr oM / LTAD / LloLTx x Gh Mus
ip ZUS xMi W eo ui l xm m x oM M rW mMO
Mr W M uW lUiU AkU mU lrliq mikUh AuzrMi M
Almsl MUa Lu li q lkUi AlxU lrliq WsQa Auk
qlSQ M Almsl mMO MUa |
MN AiUs mU lUiU AkU mU oM ZUS xuruWU M laUl
MUa Lu eW p AuzrM W uW Eci MruW MUa |
Gh xq i u laUl M xok q xZ eZq molkl mU
qxOU li q EssZi xqlr lkUh mipiMUh xuruWU
mU sa W |
qsMi mU LYxmeU oM U lkUi uuM xqqi LYxmeU
xq M ASU Wa |
originating NBFCs/Banks/FIs shall be only from those
rated AA and above. The Bank shall purchase a portfolio
or a part of portfolio of standard assets under Housing
Loan; Loans Against Property and MSME sanctioned at
oating rates only.
Policy sets out requirements to be met by the bank like
restrictions on purchase of loans; constitution of eligible
borrowers in the pool; standards for due diligence - KYC
compliance, requirements to be complied with prior to
disbursement in respect of borrowers in the purchased
pool of assets; due diligence of the originator, Stress
testing; credit monitoring.
Bank can purchase loans from other banks/FIs/NBFCs
in India only if the seller has explicitly disclosed to the
bank that it will adhere to the Minimum Retention
Requirement on an ongoing basis and disclosed the
adherence to the Minimum holding period criteria as
prescribed in the policy.
The bank monitors the purchase transactions on an
ongoing basis at certain intervals and takes appropriate
action wherever required. The general prescription laid
down in the Master policy on Credit Risk Management
with regard to loan review mechanism and monitoring is
applicable to securitization transactions.
The exposure to the originator shall be within the
prudential exposure ceilings stipulated by the Bank.
226
mUqhiqM mMOl:

(i) oMa oW:

Uz (` qsrl q)

uuUh 31.03.2015 31.03.2014
qM

(Q) oM U mipiMi LYxmeU M Ms Uz zlr zlr

(D) LYxmeU mMU U iQ ar uiql Auk M SUl oM U qlri-mmi

LYxmeU mipiMi Wlr Wi (ESWUh, AilWi mipi U uxii zlr zlr
QO MQ, Auxr Gh, BO Gh, AS)

(LT) LM uw M AlSU mipiMi Wl us Axir M Uz zlr zlr

(e) (LT) q x, mipiMUh x mWs LM uw M ASU Eme Axir M Uz zlr zlr

(Lc) LYxmeU mMU U o mU mipiMi LYxmeU (LYxmeU mMU U)

zlr zlr
Lu aU-qlri mmi sp u Wlr M Ms Uz

(AD) M xMs Uz :

AlUi Bl-osz zO mipiMUh LYxmeU r LYxmeU mMU U

zlr zlr
iQ ar ZUS

LYxmeU mMU U iQ ar BT-osz zO mipiMUh

zlr zlr
LYxmeU

(e) M) AlUi r ZUS ar mipiMUh LYxmeU M Lu xqo me mpU,

ex M LYxmeU M qkr iQ ar TU ml: WU LM ulrqM me zlr zlr
SMh Wi up eZq pU oQ q iQ ar, M xMs Uz |

Z) LYxmeU elM xmh m x OrU I me, Ms me x MOi Mr

ar xZ xukl, Lu Ms me x MOi WL Alr LYxmeU (LYxmeU zlr zlr
mMU U), q x MOi M ar W |

227
Quantitative Disclosures:

(i) Banking Book:

Amount (` in millions)

Sl
PARTICULARS 31.03.2015 31.03.2014
No

(d) The total amount of exposures securitized by the Bank. Nil Nil

(e) For exposures securitized losses recognized by the Bank during the
current period broken by the exposure type (e.g. Credit Cards, Housing Nil Nil
Loans, Auto Loans etc. detailed by underlying security):

(f) Amount of assets intended to be securitized within a year Nil Nil

(g) Of (f), amount of assets originated within a year before Securitisation. Nil Nil

(h) The total amount of exposures securitized (by exposure type) and
Nil Nil
unrecognized gain or losses on sale by exposure type

(i) Aggregate amount of:

On-balance sheet Securitisation Exposures retained or purchased

Nil Nil
broken down by exposure type:

Off-balance sheet Securitisation Exposures broken down by

Nil Nil
exposure type

(j) (i) Aggregate amount of Securitisation Exposures retained or

purchased and the associated capital charges, broken down between
Nil Nil
exposures and further broken down into different risk weight bands
for each regulatory capital approach.

(ii) Exposures that have been deducted entirely from Tier 1 Capital,
credit enhancing I/Os deducted from total capital, and other Nil Nil
exposures deducted from total capital (by exposure type).

228
(i) OQa oW :
(` qsrl q)

uuUh 31.03.2015 31.03.2014
qM

(M) oM U mipiMi LYxmeU M xMs Uz exM sr oM l MN 19,489.70 11,075.50

LYxmeU AlUi UZ W Lu e M LYxmeU mMU U oeU eZq SMh M
Akl W |

(Ls) M xMs Uz :

LYxmeU mMU U iQ ar AlUi r ZUS WL Bl-osz zO mipiMUh 19,489.70 11,075.50

LYxmeU

LYxmeU mMU U iQ ar BT-osz zO mipiMUh LYxmeU zlr zlr

(Lq) Wi Asa x AlUi r ZUS ar mipiMUh LYxmeU M

xMs Uz :

uz eZq Wi uxii eZq Emr M Akl AlUi r ZUS ar mipiMUh 19,489.70 11,075.50
LYxmeU

up eZq pU oQ q iQ ar uz eZq Wi mipiMUh Rc M Akl mipiMUh LYxmeU |

.x. eZq pU oQ LYxmeU

31.03.2015 31.03.2014
1 <100% eZq pU 0.00 0.00
2 100% eZq pU 0.00 0.00
3 >100% eZq pU 19,489.70 11,075.50
4 Ms 19,489.70 11,075.50

(Ll) M xMs Uz :
up eZq pU oQ q iQ ar uz eZq Wi mipiMUh Rc M Akl mipiMUh LYxmeU |

.x. eZq pU oQ me AuzrMi

31.03.2015 31.03.2014
1 <100% eZq pU 0.00 0.00
2 100% eZq pU 0.00 0.00
3 >100% eZq pU 2,631.10 1,495.10
4 Ms 2,631.10 1,495.10

mipiMUh LYxmeU elM MOi mU iUW x OrU 1 me, Ms me x MOi zlr zlr
Mr ar xZ xukl, Lu Ms me x MOi Mr ar Alr LYxmeU (LYxmeU
mMU U) x WD W |

229
(ii) Trading Book:
` In Millions
Sl
PARTICULARS 31.03.2015 31.03.2014
No
(k) Aggregate amount of exposures Securitized by the Bank for which the Bank has 19,489.70 11,075.50
retained some exposures and which is subject to the Market Risk approach, by
exposure type.
(l) Aggregate amount of:
On-balance sheet Securitisation Exposures retained or purchased broken down 19,489.70 11,075.50
by exposure type; and
Off-balance sheet Securitisation Exposures broken down by exposure type NIL NIL
(m) Aggregate amount of Securitisation Exposures retained or purchased separately for:
Securitisation Exposures retained or purchased subject to Comprehensive Risk 19,489.70 11,075.50
Measure for Specic Risk; and
Securitization Exposures subject to the securitisation framework for Specic Risk broken down into different
risk weight bands.

Sl No Risk Weight Bands Exposure

31.03.2015 31.03.2014
1 <100% Risk Weight 0.00 0.00
2 100% Risk Weight 0.00 0.00
3 >100% Risk Weight 19,489.70 11,075.50
4 Total 19,489.70 11,075.50

(n) Aggregate amount of:

The capital requirements for the Securitisation Exposures, subject to the securitisation framework broken
down into different risk weight bands.

Sl No Risk Weight Bands Capital Requirement

31.03.2015 31.03.2014
1 < 100% Risk Weight 0.00 0.00
2 100% Risk Weight 0.00 0.00
3 > 100% Risk Weight 2,631.10 1,495.10
4 Total 2,631.10 1,495.10

Securitisation Exposures that are deducted entirely from Tier 1 capital, credit NIL Nil
enhancing I/Os deducted from total capital, and other exposures deducted from
total capital (by exposure type).

230
mMOl mm isM 8:: urmUM oW
Zi q oeU eZq - qlMMi Azki
AukM SMh:
ahiqM mMOM
MUh:
Uh:
Uhlir Lu mrL: oeU eZq mokl M urmM Ezr
oM M mira qiA M oRi WL ij xp mMU M oeU
eZq bOlA q Mq MUi WL oM M zrUkUM M qsr q
xu Se MUl W |
eW LM AU urmM liiu Lu eZq mokl i M lrh
eZq mokl upa U mSl Mr ei W, uW WqU
MUoU CMCr M zr mSl M aD W exx u eZq
EPl AU eZq M mokl MUl M sL Uhlir ir MU
xM |
xqxi q Aju mWs x irzS apU Mxq M qqs
M (ijriqM, AukMi, mMi) eZq mokl Alpa
pe Sr ei W, uW Cl qqs M xqci m x lmOl
M sL xoki mkMUr U iixok MUuD ir M ei
W | MUoU CMCr M eqqSU Wi W M u Cl lhr
M Almsl xli MU |
Cx mr M Ezr W M :
oeU eZq aiukr x lmOl M sL LM mLYOu
oeU eZq mokl M MUmUO xxMi xjmi MUl |
oeU eZq x xo xp xoki ukr mukl Lu
ulrqM AmA M Almsl xli MUl |
oeU eZq M mWcll, qml, ExM mokl MUl,
ExM SZUZ MUl, lrh ij xq MUl xok lir
Lu Mrukr q ahu M lUiU m x lrqi uMx
MUl |
up mMU M oeU eZq MUM M sL Gh xq M
Rc AU xoki xciM xjmi MUl |
qeoi UmOa Rc xjmi MUi WL mpu xu i
irU MUl |
oeU eZq Emr M xui AU lrqi qsrMl M
mr Amll |
xoki eZq mokl Mr M Rc Lu xaPl: oM M oeU
eZq mokl i M Rc Cx mMU W:-
TABLE DF 8: MARKET RISK IN TRADING
BOOK STANDARDIZED MODIFIED
DURATION APPROACH:
Qualitative Disclosures:
Strategies and processes: The overall objective of
market risk management is to create shareholder value
by improving the Banks competitive advantage and
reducing loss from all types of market risk loss events.
While overall leadership and control of the risk
management framework is provided by Risk
Management Wing, the business units are
empowered to set strategy for taking risks and
manage the risks.
All issues or limit violations of a pre-determined
severity (materiality, frequency, nature) are escalated
to the Risk Management Wing where the actions
to address them are determined by the appropriate
authorities. The business units are responsible for
implementing the decision taken.
The process aims to:
Establish a pro-active market risk management
culture to cover market risk activities.
Comply with all relevant legislation and regulatory
requirements relating to Market Risk
Develop consistent qualities in evolving policies &
procedures relating to identication, measurement,
management, monitoring, controlling and reviewing
of Market Risk.
Establish limit structure and triggers for various
kinds of market risk factors
Establish efcient monitoring mechanism by setting
up a strong reporting system.
Adopt independent and regular evaluation of the
market risk measures.
The structure and organization of the relevant risk
management function: Market Risk Management
structure of the Bank is as under
231
 lSzM qQs
oQ M eZq mokl xqi
Axi Sri mokl xqi (L Ls Lq x )
oeU eZq mokl xqi (Lq AU Lq x)
qW mokM - eZq mokl upa (qZr eZq mokl
AkMU)- mkl Mrsr
oeU eZq mokl mpa, eZq mokl upa, m.M.
o LMMi Aiqkr Mrsr
o Aiqkr Mrsr LMMi UeMw
o Axi Sri mokl Alpa
eZq UmOa ij / Aju ClM qml mi M xpulL
Lu mMi :-
oM l oeU eZq mokl M sL up Gh xqA M
lkUh Mr W, ex LM Suxr xq, AiUSuxr xq,
xqa AiU xq, xOm sx xq, eZq qsr xq, oMU
OlAuU xq, me oeU Gh xq, EimSuU Gh xq,
eUMiuU Gh xq CirS |
oM M up xiU mU eZq xqA M xu MUl M
sL eZq UmOa mi xxjmi M aD W |
eZq mokl Aju sZMl Ezr M sL oeU M sL
AMi Mr el us SU M xui m x xirmi Mr
ei W |
oM M Uhlir M AlxU MrlwmSl ij eZq M
ec MUl, MUoU aiukr M mokl MUl M sL Cl
UmO M Emra Mr ei W |
rW UmOa mi xqr xq, xucsl M xqr xqci
uzi, xupM q eZq M xpulA M EeaU
MUl xli MUi W AU Cxq iixok sZi uuUh p
Wi W |
uxii eZq UmO lhr sl M mr q ie si W |
Qsa q M aiukr MlSMi M aD W ij up
eZq xqA M laUl M sL uruxj xjmi M
aD W |
Board of Directors
Risk Management Committee of the Board
Asset Liability Management Committee (ALCO)
Market Risk Management Committee (MRMC)
General Manager RM Wing (Chief Risk ofcer)-
Head Ofce
Market Risk Management Department, Risk
Management Wing, HO
o Integrated Mid Ofce
o Mid Ofce Integrated Treasury
o Asset Liability Management Section
The scope and nature of risk reporting and/or
measurement systems:
The Bank has put in place various exposure limits
for market risk management such as Overnight
limit, Intraday limit, Aggregate Gap limit, Stop Loss
limit, VaR limit, Broker Turnover limit, Capital Market
Exposure limit, Product-wise Exposure limit, Issuer-
wise Exposure limit, etc.
A risk reporting system is in place for monitoring the
risk limits across different levels of the Bank from
trading desk to the Board level.
The rates used for marking to market for risk
management or accounting purposes are
independently veried.
The reports are used to monitor performance and
risk, manage business activities in accordance with
the Banks strategy.
The reporting system ensures timelines, reasonable
accuracy with automation, highlight portfolio risk
concentrations, and include written commentary.
The detailed risk reports enhance the decision-
making process.
Dealing room activities are centralized, and system is
in place to monitor the various risk limits.
232
 UmOa mm Lu CxM AukMi M xqrM xq
M ei W exx rW xli W xM M r Emr eZq
xu, ExM qml Lu eZq M WsM MUl M sL
mrmi W |
ocu uruxj (Wea) ij / Aju iixok eZq Mq MUl
M lir AU ocu uruxjmM / mzqM M mpu olL
UZl xok xu M Uhli Lu mrL: oQ U AlqSi
up lir M, ex oeU eZq mokl li (Szr eZq
mokl li, MFOU mO oM eZq mokl li xWi), luz
li, uSz qS sl-Sl u urmU mUcsl li, iUsi eZq
mokl li ij Axi Sri mokl li, oeU eZq mokl
M sL xjmi Mr ar W | oeU eZq mokl li, eZq
lkUh, ClM mWcl ij Emr u UMjq, eZq Gh xqL
Lu MUM, eZq xu Lu UmOa M sL LM AkUpi
Rc irU MUi W|
oM l up qmShQ ex xMs bUs EimS u, qSxTi,
urmU xisl CirS M AkU mU Szr eZq UOa M sL
LM AiUM qQs uMxi Mr W exx up Sz M Gh
xq M AoOl MUi xqr ElM eZq h M krl UZ
e xMi W |
oM l AiUr oM M h ir MUl M sL LM AM isM
qQs uMxi Mr W | MFOUmOr U AMisM qQs q
mmi ML aL AM M AkU mU Wxs ML aL AM M qleU
up Gh xq ir M ei W |
Axi Sri mokl li ore SU eZq ij iUsi eZq M
mokl M Mr MUi W | rW li q up SzlSz SL aL W
e xli MUi W M AMxqM lk rel oli WL xqh
Ms q iUsi M xji M xqlr W UZ e xM | mirM
xqr xq M iWi o M xiU M p zqs Mr ar W ij
CxM OOi W rW Al us iUsi-xMO M xSz Sl sai W |
mUqhiqM mMOMUh:
. me AuzrMi
uuUh
x.
(M) ore SU eZq 13,087.60
(Z) CYuO xji xok
eZq
(a) uSz ulqr eZq 375.90
The reporting formats & the frequency are
periodically reviewed to ensure that they sufce
for risk monitoring, measuring and mitigation
requirements of the Bank.
Policies for hedging and/or mitigating risk and strategies
and processes for monitoring the continuing effectiveness
of hedges/mitigants: Various Board approved policies viz.,
Market Risk Management Policy (Including Country Risk
Management and Counterparty Bank Risk Management),
Investment Policy, Forex dealing and trading operations
Policy and ALM Policy are put in place for market risk
management. Market Risk Management Policy provides
the framework for risk assessment, identication and
measurement and mitigation, risk limits & triggers, risk
monitoring and reporting.
The Bank has developed an internal model for country
risk rating based on various parameters like GDP growth,
ination, trade balance etc for risk categorization of the
countries to allocate limit for taking exposure to various
countries.
The Bank has in place a scoring model for categorization
of foreign banks. The various exposure limits are set
based on the points secured by the counterparties as per
the scoring matrix.
The ALM Policy deals with management of Interest Rate
Risk and Liquidity Risk. The Policy lays down various
guidelines to ensure that the liquidity position is
comfortable at times of stress by formulating contingency
funding plan. Tolerance levels are incorporated under
each timeframe and any breach of it would signal a
forthcoming liquidity constraint.
(` qsrl q)
Quantitative Disclosures: (` in millions)
Amount of capital
Sl
M Uz Particulars requirement
31.03.2015 31.03.2014
No
31.03.2015 31.03.2014
13,090.56 (a) Interest Rate Risk 13,087.60 13,090.56
Equity Position
7,201.40 5,156.27 (b) 7,201.40 5,156.27
Risk
592.47 (c) Foreign Exchange Risk 375.90 592.47
233
mMOl mm isM 9:: mUcsliqM
eZq:
ahiqM mMOMUh:
Uhlir AU mrL
rL: oM M mUcsliqM eZq mokl
mr M mN LM qeoi xaPliqM xxMi AU xSR
mUcsliqM Mrukr W elq MmUO qsr, SMh,
xqir, AiUM lrh mhs, mpu AiUM UmOa AU
AMxqMi Arel zqs W| oM q mUcsliqM eZq M
mpu mokl M sr lir lkUi W|
Emr eZq mokl Mr mhs M xUcl AU xaPliqM
Rc: oM q mUcsliqM eZq mokl xUcl lqlui W|
lSzM qQs
lSzM qQs M eZq mokl xqi (AU Lq x o)
mUcsliqM eZq mokl xqi (AAULqx)
mqZ / qW mokM - eZq mokl / qZr eZq mokl
AkMU
mUcsliqM eZq mokl mpa (AAULqQ), mkl
Mrsr
upa M qZr qW mokM / qW mokM / Acs mqZ
Acs Mrsr M lqi MrmsM
Acs q eZq mokl Alpa
eZq UmOa AU / r qml mir M SrU
mMi: eZq UmOa q zZA / Mrsr q ur, mr,
maM x xoki mUcsliqM eZq Wl xpulr /
bOlr AU oWU bOlr zqs W| up xi x LMi
AMQ M Emra, pUir Ueu oM U qlri mmi 7 Wl
bOl mMU AU 8 MUoU mMU us eZq qOYx M irU
MUl M sr Mr ei W|
ocu uruxj AU / r eZq M Mq MUl M lir
AU ocu uruxj / mzqM M lUiU m x mpu Wl mU
laUl M Uhlir AU mrL: oM l mUcsliqM eZq
mokl x xoki lqlMi lir lkUi M W| li Rc q
mUcsliqM eZq mokl M up mWs ex mWcl, mokl
AS q mUcsliqM eZq M laUl u mzql AS
zqs W|
TABLE DF 9: OPERATIONAL RISK:
(i) Qualitative Disclosures:
Strategies and processes: The Operational Risk
Management process of the Bank is driven by a strong
organizational culture and sound operating procedures,
involving corporate values, attitudes, competencies,
internal control culture, effective internal reporting
and contingency planning. Policies are put in place for
effective management of Operational Risk in the Bank.
The structure and organization of the relevant
risk management function: The Operational Risk
Management Structure in the Bank is as under:
Board of Directors
Risk Management Committee of the Board (RMCB)
Operational Risk Management Committee (ORMC)
Head / General Manager Risk Management / Chief
Risk Ofcer
Operational Risk Management Department (ORMD),
HO
Chief General Managers / General Managers of
Wings / Circle Heads
Nominated Executives at Circles
Risk Management Sections at Circles.
AU
The scope and nature of risk reporting and/or
measurement systems: The Risk reporting consists
of operational risk loss incidents/events occurred in
branches/ofces relating to people, process, technology
and external events. The data collected from different
sources are used for preparation of Risk Matrix consisting
of 7 loss event types and 8 business lines recognized by
the RBI.
Policies for hedging and/or mitigating risk and strategies
and processes for monitoring the continuing effectiveness
of hedges/mitigants: Bank has put in place policies for
management of Operational Risk management. The
policy framework contains various aspects of Operational
risk management such as identication, management,
monitoring & mitigation of Operational risk areas.
234
AEOxxa rMsm q zqs eZq M sL oM q
AEOxxa eZq mokl li lkUi W |
mUcsliqM eZq me qsrMl: mUcsliqM eZq M
sL me mpU M mUMsl Wi oM l qs xMiq SMh
Amlr W|
oM Ei qm SMh (L Lq L) Amll M CcNM W |
mUqhiqM mMOMUh :-
qs xMiM SMh M iWi mUcsliqM eZq M sL
AuzrM me `16,578.68 qsrl W |
mMOl mm isM 10: oMa oW q ore
SU eZq (AD AU AU o o):
ahiqM mMO
OMUh:
oMa oW q ore SU eZq (ADAUAUoo)
ore SU eZq uW eZq W e oM M ur xji M oeU
ore SU q mUuil x mpui MUi W | up mUmYui /
mlqsrl, qS, oeU u ocqM SU ex isl m M AiUM u
o qS q oM U SU M kUh Wl M MUh up qlSQ
q Alus umUi mUuil ore SU eZq iM mWci W |
ore SU M umUi EiU-cRu M MUh oMa oW q ore
SU eZq oM M Ael (Asmuk mpu) ij lus qsr
(Sbuk mpu) M mpu M AluUh MUi W exM AMsl
qxM AkU mU Mr ei W |
xaPliqM Rc
lSzM qQs / eZq mokl xqi U lkUi eZq
xWwhi M AlxU ore SU eZq mokl Uhli M uMx
u Mrlurl, xqA, urmU UZA ij Mll lMr M mU
up qSA q ore SU eZq M mokl MUl oM M Axi
Sri mokl xqi (LLsxA) M Miur W | LLsxA oM M
ore SU SMh M xxm MUi W ij pu urmU Ullir
M lhr M sL lu Qsi W | lkrl li M AlxU Axir
M xel M sL xi mU ucU MUM SlSUr M qh MUl
In order to address risks involved in Outsourcing of
activities, bank has put in place policies for management
of Outsourcing Risk.
Operational Risk capital assessment: The Bank has
adopted Basic Indicator Approach for calculating capital
charge for Operational Risk.
Bank intends to migrate to the Advanced Measurement
Approach (AMA).
Quantitative Disclosure:
The capital requirement for Operational Risk under Basic
Indicator Approach is ` 16,578.68 Millions.
TABLE DF 10: INTEREST RATE RISK IN
THE BANKING BOOK (IRRBB):
Qualitative Disclosures:
Interest Rate Risk in Banking Book (IRRBB)
Interest Rate Risk is the risk where changes in market
interest rates affect a banks nancial position. As the
bank holds rate sensitive on and off balance-sheets items
of different maturity/repricing, currencies, markets and
benchmark rates, and any adverse movement in these
parameters exposes bank to interest rate risk. Interest
Rate Risk in Banking Book (IRRBB) reveals the impact
on banks earnings (short-term impact) and net-worth
(long-term impact) due to adverse movement of interest
rates and is measured on a monthly basis.
Organizational Framework
Asset Liability Management Committee (ALCO) of the
Bank is responsible for developing and implementing
interest rate risk management strategy, managing
interest rate risk in different currencies, across borders
and across business lines and legal entities as per the
risk tolerance established by the Board of Directors/
Risk Management Committee. The ALCO also articulates
interest rate view of the bank and bases its decisions
for future business strategy. In respect of the funding
policy, its responsibility is to decide on source and mix
235
CxM Sriu W | LLsxA lSzM qQs U ore SU eZq
M sL lkUi up xqA M laUl MUi W ij xqA
q Mx mMU M Essbl M xSp q xkUiqM MSq EPi W |
Uhlir AU mrr
oM Aml xmr ij SlSUr M qsr M Eci mUmYui
M xj qsl MUl M mrx MUi W iM mUmYu W UW
r mlqsrMi up xqr h M AiU M Mq Mr e
xM | ore SU eZq M qml ij mokl M sL Aml
uM Axir, SriA ij o isl m qS mU,
xuSlzs W, Sl mUmUai AiU uzswh(OeL) AU Auk
AiU uzswh(QeL) M Aml UW W|
oM Aml ore SU eZq xji M mUMsl, OeL ij
QeL sa MUM mirM qS x Ex qS q SU xuSlzs
Axir / SriA / o isl m qS, eW Axir r SriL
oM M uM Axi u uM Sri x 5 mizi r erS W,
x MUi W | xp Alr Auz qSA M ore SU eZq xji
M mUMsl xqa AkU mU Asa x Mr ei W | aU-mUmYu
eqA M uaMUh oM M uruWU Akrrl M AlxU Mr
ei W |
ore SU eZq, mlqsrl, Ar mUuil u, AkU eZq ij
uMsm eZq x, Eim Wi W | Ar mUmr u AjM qsr
mUmr q mUmYui u mlqsrl oqs x Eim Wlus eZq
M lql i M U Moe MUl oM M Ezr W |
1. AiU uzswh: ore SU eZq M qml M olrS
EmMUh W SU xuSlzs Axir ij SU xuSlzs
SriA AU isl m M o qS M up qS M Auz
mUmYui r Aa-mlqsrMl, e p mWs W, ij lus
AiU (Aji AULxL-AULxLs) mU mWcl M oS up
xqr h q xqWl MUM ore SU xuSlzsi uuUh
irU MUi W | LM xMUiqM r Axi xuSlzs AiU
x iimr oeU ore SU q u M mUhqxum lus
ore Ar (LlADAD) q Wlus u x W | umUii:
LM lMUiqM r Sri xuSlzs AiU, oeU ore SU q
u x oM M LlADAD q Wlus aUuO M xci
MUi W |
of liabilities for creation of assets. ALCO monitors the
various limits established by the Board for interest rate
risk and takes corrective action if there is any breach in
the limit.
Strategies and Processes
The Bank strives to match the price of its assets and
liabilities coupled with proper maturity matching in-
order to reduce the gap in different time buckets which
are maturing or getting repriced. For measurement and
e SU management of interest rate risk, Bank adopts both the
Traditional Gap Analysis (TGA) and the Duration Gap
Analysis (DGA) to its global position of assets, liabilities
and off-balance sheet items, which are rate sensitive.
The Bank computes its interest rate risk position in
each currency applying the TGA and DGA to the rate
sensitive assets/ liabilities/ off balance sheet items in
that currency, where either the assets, or liabilities are 5
per cent or more of the total of either the Banks global
assets or global liabilities. The interest rate risk position
in all other residual currencies is computed separately
on an aggregate basis. The non-maturing deposits are
classied as per the behavioral study of the Bank.
The interest rate risk arises on account of re-pricing, yield
curve change, basis risk and options risk. The Bank aims
at capturing these risks arising from the maturity and re-
pricing mismatches both from earnings perspective and
economic value perspective using techniques viz.,
1. Gap Analysis: The basic tool for measuring interest
rate risk is preparation of Interest Rate Sensitivity
Statement (IRS) by grouping various items of Rate
Sensitive Assets (RSA) and Rate Sensitive Liabilities
(RSL) and off balance-sheet items into different time
buckets according to the residual maturity or next
re-pricing, whichever is earlier and arriving at the
net gap (i.e., RSA - RSL). A positive or Asset Sensitive
Gap means that an increase in market interest rates
result in an increase in NII. Conversely, a negative
or liability sensitive Gap implies that the Banks NII
could decline as a result of increase in market interest
rates.
236
2. eZq q Ael (DLAU): eZq q Ael (DLAU), LM
xMUiqM AiU M U ore SU q u x oM sp mmi
MUl M xji q W r lMUiqM AiU M U ore SU q
aUuO x oM sp mmi MUl M xji q W r lW M,
xMiM W | ore SU q xqliU oSsu M MUh Ael
mU eZq M mlqsrl M mpu p SU Abi M sL
lkUi M W | Ael mU mpu M Ar u AU AkU
eZq M sL p Alqli Mr ei W |
3. DYuO M oeU qsr (LquD): ore SU q mUuil oM M
DYuO M oeU qsr r lus qsr M so Auk M sL
mpui MUl x oeU ore SU q mUuil M MUh oM
M Axir M qsr, SriL ij isl m M o xjir
mpui Wi W | lkUi SU Abi M mUhqxum DYuO
M oeU qsr q Alqli mil mU oM M ore SU xji
M qsr q mUuil x Eim Wlus Auk AiU uzswh
(QeL) U Alqli Mr ar W |
2. Earnings at Risk (EaR): Earnings at Risk (EaR) indicate
the impact of repricing risk on the earnings due to
the parallel shift in interest rate assessed for different
rate shocks. Impact on the earnings is also estimated
for yield curve change and basis risk.
3. Market Value of Equity (MVE): A long-term impact
of changing interest rates is on banks Market Value
of Equity (MVE) or Net-worth as the economic value
of banks assets, liabilities and off-balance sheet
positions get affected due to variation in market
interest rates. The estimated drop in the Market
Value of Equity (MVE) as a result of prescribed rate
shock arising from changes in the value of interest
rate sensitive positions across the whole Bank is
estimated by the Duration Gap Analysis (DGA).

mUqhiqM mMOMUh: Quantitative Disclosures:

eZq mU Ar-Ael EARNINGS AT RISK

lql xUh rj 31.03.2015 M oM M lus ore Ar mU The following table presents the impact on net interest
ore SU q 100 AkU oSA M xqliU oSsu x, up income of the Bank for an assumed parallel shift of 100
qSA q LM xs iM WL mpu M mxii MUi W | bps in interest rate up to one year across currencies as at
31.03.2015.
(` qsrl q) (` in millions)
qSL 1 uw iM ore SU q mUuil Currencies Change in interest rate up to 1 Year
-100 AkU oSL +100 AkU oSL -100 bps +100 bps
AD Ll AU (5,430.20) 5,430.20 INR (5,430.20) 5,430.20
r Lx QsU (489.70) 489.70 USD (489.70) 489.70
Alr (101.80) 101.80 Others (101.80) 101.80
Ms (6,021.70) 6,021.70 Total (6,021.70) 6,021.70

DYuO M AjM qsr ECONOMIC VALUE OF EQUITY

lql xUh rj 31.03.2015 M 200 AkU oSA M AlqlM The table reveals the impact on Economic Value of Equity
SU M Abi M xok q DYuO M AjM qsr mU mpu M for an assumed rate shock of 200 bps on the Banking
mxii MUi W | Book as at 31.03.2015.

-200 AkU +200 AkU -200 bps +200 bps

DYuO M AjM qsr q Change in Economic Value of
oSL oSL
mUuil Equity 8.41% (8.41%)
8.41% (8.41%)

237
rj 31.03.2015 M xip 3 - oxs III mMOl
mMOl mm isM 1: Almra M Mr
oMa xqW M mqZ M lq exM sL rW Rc sa W: MlU oM

(i) ahiqM mMOl

M. xqMl mU ucU ML aL xqW lMr M xc
lMr M lq/ Yr lMr xqMl M mr Yr lMr xqMl M mr xqMl M rS xqMl
(laqi Sz) M xqMl M uuUh M ulrqM M uuUh mr q AiU Mx M
M sZMl Mr M iWi M MUh M iWi Mr
Mr M iWi xqMl Wi zqs uuUh ar W i
zqs Mr Mr ar W ExM
ar W uuUh S
(W/lW)

MloM W xqMi ur W xqMi ur sa lW sa lW

Tllzrs uuUh mU uuUh mU
xuxx s. sZMl qlM - sZMl
(pUi) 21 M qlM - 21 M
AlxU AlxU

MloM ucU W xqMi ur W xqMi ur sa lW sa lW

MmOs TQ uuUh mU uuUh mU
s. (pUi) sZMl qlM - sZMl
21 M qlM - 21 M
AlxU

MloM TYOx W xqMi ur W xqMi ur sa lW sa lW

sqOQ uuUh mU uuUh mU
(pUi) sZMl qlM - sZMl
21 M AlxU qlM - 21 M
AlxU

MlU Uo W xqMi ur W xqMi ur sa lW sa lW

Axi mokl uuUh mU uuUh mU
Mml s. sZMl qlM - sZMl qlM
(pUi) 21 M AlxU - 21 M AlxU

MlU oM W xqMi ur lW sa lW sa lW aU-ur

MmrOU uuUh mU Alwa| xqW
xuxx s. sZMl qlM - M xqMi
(pUi) 21 M AlxU ulrqM
me x
lMs aD

238
BASEL III PILLAR 3 DISCLOSURES AS ON 31.03.2015
TABLE DF 1: SCOPE OF APPLICATION
Name of the head of the banking group to which the framework applies: Canara Bank

(i) Qualitative Disclosures:

a. List of group entities considered for consolidation

Name of Whether Explain the Whether Explain the Explain the Explain the
the entity / the entity method of the entity is method of reasons for reasons if
(Country of is included consolidation included under consolidation difference in consolidated
Incorporation) under regulatory method of under only one
accounting scope of consolidation of the scopes of
scope of consolidation consolidation
consolidation (Yes/No)
(Yes/No)

Canbank Yes As per Accounting Yes As per N.A N.A

Financial Standard 21 Accounting
Services Ltd. on Consolidated Standard 21
(India) Financial on Consolidated
Statements Financial
Statements
Canbank Yes As per Accounting Yes As per N.A N.A
Venture Standard 21 Accounting
Capital Fund on Consolidated Standard 21
Ltd. (India) Financial on Consolidated
Statements Financial
Statements
Canbank Yes As per Accounting Yes As per N.A N.A
Factors Ltd. Standard 21 Accounting
(India) on Consolidated Standard 21
Financial on Consolidated
Statements Financial
Statements
Canara Yes As per Accounting Yes As per N.A N.A
Robeco Asset Standard 21 Accounting
Management on Consolidated Standard 21
Company Ltd. Financial on Consolidated
(India) Statements Financial
Statements
Canbank Yes As per Accounting No N.A N.A Non Financial
Computer Standard 21 Subsidiary.
Services Ltd. on Consolidated Deducted from
(India) Financial Consolidated
Statements Regulatory
Capital of the
group.

239
lMr M lq/ Yr lMr xqMl M mr Yr lMr xqMl M mr xqMl M rS xqMl
(laqi M M xqMl M uuUh M ulrqM M uuUh mr q AiU Mx M
Sz) M sZMl Mr M iWi M MUh M iWi Mr
Mr M iWi xqMl Wi zqs uuUh ar W i
zqs Mr Mr ar W ExM
ar W uuUh S
(W/lW)

MlU oM W xqMi ur W xqMi ur sa lW sa lW

xYrUOe s. uuUh mU uuUh mU
(pUi) sZMl sZMl qlM
qlM - 21 M - 21 M AlxU
AlxU

MlU Lc Lx W xqMi ur lW sa lW sa lW oq Alwa|

o x A o uuUh mU xqW M
x eul oq sZMl qlM - xqMi
Mml s. 21 M AlxU ulrqM me
(pUi) x lMs aD

Mqzrs CQ W xr Eq q Wi lW xr Eq q sa lW sa lW
oM LsLsx, M ur UmOa Wi M ur
qxM (x) mU sZMl qlM UmOa mU
- 27 M AlxU sZMl qlM
- 27 M AlxU

MlTl Wqx W xqMi ur lW sa lW sa lW MlTl Wqx

s. (pUi) uuUh q xo s. q oM M
q luz M sL luz me
sZMl mU mrmii Ezr
sZMl qlM - M sL eZq
23 M AlxU pUi W

mai Mwh W xqMi ur lW sa lW sa lW mai Mwh

aqh oM uuUh q aqh oM q
(pUi) xo q oM M luz
luz M sL me mrmii
sZMl mU Ezr M sL
sZMl eZq
qlM - 23 M pUi W
AlxU

240
 Name of Whether Explain the Whether Explain the Explain the Explain the
the entity / the entity method of the entity is method of reasons for reasons if
(Country of is included consolidation included under consolidation difference in consolidated
Incorporation) under regulatory scope method of under only one
accounting of consolidation consolidation of the scopes of
scope of (Yes/No) consolidation
consolidation
(Yes/No)

Canara Bank Yes As per Accounting Yes As per N.A N.A

Securities Ltd. Standard 21 Accounting
(India) on Consolidated Standard
Financial 21 on
Statements Consolidated
Financial
Statements
Canara HSBC Yes As per No N.A N.A Insurance
Oriental Bank Accounting Subsidiary.
of Commerce Standard 21 Deducted from
Life Insurance on Consolidated Consolidated
Company Ltd. Financial Regulatory
(India) Statements Capital of the
group.

Commercial Yes As per Yes As per N.A N.A

Indo Bank Accounting Accounting
LLC., Moscow Standard -27 Standard -27
(Russia) on Financial on Financial
Reporting of Reporting of
Interest in Joint Interest in
Venture Joint Venture

Cann Homes Yes As per No N.A N.A Banks

Ltd. (India) Accounting investment in
Standard -23 Cann Homes
on Accounting Ltd, has been
for Investment Risk weighted
in Associates in for capital
Consolidated adequacy
Financial purposes
Statements

Pragathi Yes As per No N.A N.A Banks

Krishna Accounting investment
Gramin Bank Standard -23 in Pragathi
(India ) on Accounting Krishna
for Investment Gramin Bank,
in Associates in has been Risk
Consolidated weighted
Financial for capital
Statements adequacy
purposes

241
 lMr M lq/ Yr lMr xqMl M mr Yr lMr xqMl M mr xqMl M rS xqMl
(laqi M M xqMl M uuUh M xqMl M M uuUh mr q AiU Mx M
Sz) M sZMl ulrqM Mr M MUh M iWi Mr
Mr M iWi M iWi zqs uuUh ar W i
zqs Mr Mr ar W ExM
ar W uuUh S
(W/lW)

MUs aqh W xqMi ur lW sa lW sa lW MUs aqh

oM (pUi) uuUh q xo oM q oM
q luz M sL M luz me
sZMl mU mrmii
sZMl qlM - Ezr M
23 M AlxU sL eZq
pUi W

Name of Whether Explain the Whether Explain the Explain the Explain the
the entity / the entity method of the entity is method of reasons for reasons if
(Country of is included consolidation included under consolidation difference in consolidated
Incorporation) under regulatory scope method of under only one
accounting of consolidation consolidation of the scopes of
scope of (Yes/No) consolidation
consolidation
(Yes/No)

Kerala Yes As per No N.A N.A Banks

Gramin Bank Accounting investment in
(India) Standard -23 Kerala Gramin
on Accounting Bank, has been
for Investment Risk weighted
in Associates in for capital
Consolidated adequacy
Financial purposes
Statements

Z. El xqW lMr M
M xc elW xqMl M sL sZMl AU b. List of group entities not considered for consolidation
xqMl M ulrqM Mr Sl q lW UZ W | both under the accounting and regulatory scope of
consolidation

Lx MD xqW lMr lW W elW xqMl M sL There are no entities in the group which are not
considered for consolidation under both accounting
sZMl AU xqMl M ulrqM Mr Sl q lW scope of consolidation and regulatory scope of
UZ W | consolidation.

242
(ii) mUqhiqM mMOl
a. xqMl M sL xqW lMr M xc

lMr M lq/ laqi 31 qc 2015 iM Ms 31 qc 2015 iM Ms

lMr M qZr
Sz (ex FmU (M) q isl m CYuO isl m Axir
aiuk
Szr ar W) (` qsrl q) (` qsrl q)
MloM ucU MmOs TQ s. uxiUh / MUoU z MUl M 2.50 326.00
(CQr) sL DYuO xqjl
MloM TYOx sqOQ (pUi) TYOUa M MUoU q sa W 200.00 8,886.23
MlU UoM Axi mokl Mml qrcAs TQ Axir M 498.54 1,292.64
s. (pUi) mokl
MlU oM xYrUOe s. xOM Sss xu ij 400.00 1,204.99
(pUi) BlsCl urmU mSl MUl M
MUoU
MloM Tllzrs xuxx s. xupa mokl ij mai 300.00 509.69
(pUi) url q MrUi W |
Mqzrs CQ oM LsLsx, MUh uiql q MD aU oMa 2,291.69 5,715.31
qxM (x) ur Mml M MrMsm lW (36.67 Mn USD) (91.45 Mn USD)
MU UW W |

(ii) Quantitative Disclosures:

c. List of group entities considered for consolidation

Name of the entity / Principle activity of the entity Total balance sheet Total balance sheet assets
Country of Incorporation (as equity as on 31st as on 31st March 2015
indicated in (a) above) March 2015 Amount Amount
(` in Millions) (` in Millions)
Canbank Venture Capital Equity support for Expansion / 2.50 326.00
Fund Ltd. (India) Start up of Business
Canbank Factors Ltd. (India) Engaged in the business of 200.00 8,886.23
Factoring
Canara Robeco Asset Managing assets of Mutual Fund 498.54 1,292.64
Management Company Ltd.
(India)
Canara Bank Securities Ltd. Business of Providing Stock 400.00 1,204.99
(India) Broking services and online
trading
Canbank Financial Services Engaged in Portfolio Management 300.00 509.69
Ltd. (India) and Lease Finance but its net-
worth is totally eroded and
currently it is not engaged in any
of the activities of a non-banking
nancial company
Commercial Indo Bank LLC., Banking 2,291.69 5,715.31
Moscow (Russia) (36.67 Mn USD) (91.45 Mn USD)

243
b. xqMl M ulrqM
ulrqM Mr q zqs lW M aD Alwar
q me M Mq M Ms Uz rl elW MO ar W
rj qc 31, 2015 iM oM M Alwar q MD me Mq
lW W ex xqMl M ulrqM Mr q zqs lW
Mr W
d. The aggregate amount of capital deciencies in all
subsidiaries which are not included in the regulatory
scope of consolidation i.e. that are deducted:
There is no capital deciency in the subsidiaries of
the Bank which are not included in the regulatory
scope of consolidation as on March 31, 2015.

Q.) oq lMr q oM M Ms Wi M Ms Uz (ESWUh: cs oW qsr), e eZq pUi W

oq lMr/ lMr M qZr Ms isl m CYuO Ms CYuO/ eZq pUi

laqi Sz M lq aiuk Uz (uk lMr M qiSl mi olq mh MOi
sZMl isl m AkMU M mi M Cxiqs
q SL AlxU) Almi q MUl x ulrq me
(` qsrl q) oM M kUi mU mQl us
M % mUqh
mUqhiqM
iqM mpu

MlU Lc Lx o x
A o x xAULAU mU 10 omLx
oq MUoU `9,500 51%
eul oq Mml s. xMUiqM mpu
(CQr)

e. The aggregate amounts (e.g. current book value) of the Banks total interests in insurance entities, which are risk-
weighted:

Name of the Principle activity of Total balance sheet % of banks holding Quantitative impact
insurance entities/ the entity equity (as stated in the total equity / on regulatory
Country of in the accounting proportion of voting capital of using risk
Incorporation balance sheet of the power weighting method
legal entity) Amount versus using the full
(` in Millions) deduction method

Canara HSBC Oriental Insurance Business `9,500 Mn 51% 10 bps positive

Bank of Commerce impact on CRAR
Life Insurance
Company Ltd. (India)

244
c) oMa xqW q lkr r ulrqM me M AiUh mU MD
miok r okL:
oMa xqW q lkr r ulrqM me M AiUh mU MD
miok r okL lW W
mMOl mm isM-
isM-2:
2: me mrmii
(i) ahiqM mMOl
me me Arel mr q, oM l lql xq M W :
oM M uiql me AuzrMi
MUoU Uhli u eZq uWl qi M AlxU si AU
OMF me
me AuzrMi u me CiqMUh M xukM m x me
Arel xqi U laUl M e UW W exq M Eiq
MrmsM W | Aa, me Arel M laUl molk lSzM u
qZr MrMU AkMU, MrmsM lSzM u S xui lSzM
us oQ xiU mU M ei W | Aaq, luz u xWrM / xr
Eq M luz, AS q Ami u M krl q UZi WL
me AuzrMi M iqW AkU mU mz Mr ar W | Aml
SbMsM sr M Alm MUoU u AU me CiqMUh
Wi ukui mUSzr M uzswh MUi WL me xUcl M m
q sl M xj me Aukl Wi xqi Emsok up uMsm
M krl q UZ UW W |
f. Any restrictions or impediments on transfer of funds
or regulatory capital within the banking group:
There is no restriction or impediments on transfer of
funds or regulatory capital within the banking group.
TABLE DF 2: CAPITAL ADEQUACY
(i) Qualitative Disclosures
In Capital Planning process the Bank reviews:
Current capital requirement of the Bank
The targeted and sustainable capital in terms of
business strategy and risk appetite.
Capital need and capital optimization are monitored
periodically by the Capital Planning Committee
comprising Top Executives. Further, Capital Planning
is monitored at the Board level comprising of
Managing Director & CEO, Executive Directors and two
independent Directors. Capital requirement is projected
quarterly considering the expected growth in advances,
investments and investments in Subsidiaries / Joint
Ventures, etc. Committee takes into consideration
various options available for capital augmentation in
tune with business growth and realignment of Capital
structure duly undertaking the scenario analysis for
capital optimization in tune with its long term goals
enumerated in ICAAP and Vision documents.
245
AiUM me mrmii lkUh mr u puwrSiqM Sxiue q mahi Mr ar W:
mUqhiqM mMOl
(` qsrl q)
Uz Uz
qM qS
31.03.2015 31.03.2014
(o) Gh eZq M sL me AuzrMi
qlM SMh M Akl xupa 270,732.68 245,974.25
mipiMUh mMOl 0.00 0.00
(x) oeU eZq M sL me AuzrMi
qlM Auk SMh
- ore SU eZq 13,551.90 13,424.02
- uSz ulqr eZq (xuh xWi) 375.90 592.47
- CYuO eZq 7,510.60 5,817.54
(Q) mUcsliqM eZq M sL me AuzrMiL
qs xcM SMh 16,803.04 15,572.82
(D) xqlr CYuO OrU 1,, OrU 1 AU Ms me
xqW
- xDO 1 me 255,678.73 234,219.52
- OrU 1 me 278,483.17 243,420.89
- OrU 2 me 87,236.43 92,679.80
- Ms me 365,719.60 336,100.69
LMs (qs oM)
- xDO 1 me 252,216.43 231,320.75
- OrU 1 me 274,593.14 239,909.28
- OrU 2 me 86,775.02 92,046.26
- Ms me 361,368.16 331,955.54
(LT) xqlr CYuO OrU 1,, OrU 1 AU Ms me Almi
xqW xAULAU
- xDO 1 Almi 7.45% 7.49%
- OrU 1 Almi 8.11% 7.79%
- OrU 2 Almi 2.54% 2.96%
- x AU L AU 10.65% 10.75%
LMs (qZr oM) x AU L AU
- xDO 1 Almi 7.37% 7.41%
- OrU 1 Almi 8.02% 7.68%
- OrU 2 Almi 2.54% 2.95%

- x AU L AU (eZq pUi Axir M isl q me Almi) 10.56% 10.63%

246
Quantitative disclosures

Amount (` in Millions)
Sl No Items
31.03.2015 31.03.2014
(b) Capital requirements for Credit Risk
Portfolios subject to Standardized Approach 270,732.68 245,974.25
Securitization Exposures 0.00 0.00
(c) Capital requirements for Market Risk
Standardized Duration Approach
- Interest Rate Risk 13,551.90 13,424.02
- Foreign Exchange Risk (including Gold) 375.90 592.47
- Equity Risk 7,510.60 5,817.54
(d) Capital requirements for Operational Risk
Basic Indicator Approach 16,803.04 15,572.82
(e) Common Equity Tier 1, Tier 1 and Total Capital
Group
- CET 1 Capital 255,678.73 234,219.52
- Tier 1 Capital 278,483.17 243,420.89
- Tier 2 Capital 87,236.43 92,679.80
- Total Capital 365,719.60 336,100.69
Stand alone (Parent Bank)
- CET 1 Capital 252,216.43 231,320.75
- Tier 1 Capital 274,593.14 239,909.28
- Tier 2 Capital 86,775.02 92,046.26
- Total Capital 361,368.16 331,955.54

(f) Common Equity Tier 1, Tier 1 and Total Capital ratios:

Group CRAR
- CET 1 Ratio 7.45% 7.49%
- Tier 1 Ratio 8.11% 7.79%
- Tier 2 Ratio 2.54% 2.96%
- CRAR 10.65% 10.75%
Stand alone (Parent Bank) CRAR
- CET 1 Ratio 7.37% 7.41%
- Tier 1 Ratio 8.02% 7.68%
- Tier 2 Ratio 2.54% 2.95%
- CRAR 10.56% 10.63%

247
mMOl mm isM-
isM-3:: Gh eZq:
xqlr mMOl
(i) ahiqM m
mMOl
oM l oQ U AlqSi xZ eZq molkl li (xAULq
li) M xjmi Mr W e M xp xZ eZq xoki
mWsA M zxi MUi W | xAULq li oM q xZ
eZq molkl M qs xi, qlM Lu SMh M
UZMi MUi W | xr m x xZ eZq M molki
MUl Wi, xxkl M xu MUl Wi Lu oM M miMs
xZ xjir q xUi MUl Wi rW mhs, mr, lrh
u Emr M xxjmi MUi W | xZ xq M AlqSl
Wi zr M mirrel lSzM qQs U AlqSi Mr
ei W |
oM M li eZq u UOl M oc qkrq eZq sl
M qi u xuxj xisl UZi W | xuMr qlSQ M
AlSU zrU kUM Wi qsr M xuki MUl AU ulrqM
mkMUh, eqMi u Alr zrUkUM M AuzrMiA
M Emr m x SZl mjqM eZq molkl Ezr
W | oM M eZq molkl M qaSzM xi q ulrqM
u uk AuzrMiA xWi Almsl, eZq u UOl q
xisl mmi MUl, eZq Mr M xur xli MUl
ij eZq molkl u MUoU Ezr M LM m q sl
xqWi W | oM M xZ eZq molkl mr MmUO
qsr, uruWU, SiA, MUoU Axcl EmMUh M
lrel, AiUM lrh xxMi, mpu AiUM UmOa
u AMxqM rel xWi qeoi xaPliqM xxMi u
qeoi mUcsl mrA U xcsi Wi W |
oM M xZ eZq molkl M xqa Ezr lqlui W:
ahiqM u mUqhiqM Sl W, xZ u xli MU,
e M eZq M Ciq uxel M xj uU xisi
u uukimh Wa |
eZq u mOTsr mU ulrqM uuMmh qlSQ
M msl xli MU |
xZ eZq q up eZq M Emr m x qsr
lkUh MU |
mWcl, qml, laUl u lrh M zqs MUi WL
eZq molkl M LMMi mhs M pa olr |
TABLE DF 3: CREDIT RISK: GENERAL
DISCLOSURES
(i) Qualitative Disclosures
Bank has put in place Board approved Credit Risk
Management Policy (CRM Policy), which governs all credit
risk related aspects. CRM Policy outlines the principles,
standards and approach for credit risk management at
the Bank. It establishes systems, procedures, controls and
measures to actively manage the credit risks, optimize
resources and protect the bank against adverse credit
situations. The delegation of power for approval of credit
limits is approved by the Board of Directors.
The Banks policies assume moderate risk appetite
and healthy balance between risk and return. The
primary risk management goals are to maximize value
for shareholders within acceptable parameters and
adequately addressing the requirements of regulatory
authorities, depositors and other stakeholders. The
guiding principles in risk management of the Bank
comprise of Compliance with regulatory and legal
requirements, achieving a balance between risk and
return, ensuring independence of risk functions, and
aligning risk management and business objectives. The
Credit Risk Management process of the Bank is driven
by a strong organizational culture and sound operating
procedures, involving corporate values, attitudes,
competencies, employment of business intelligence
tools, internal control culture, effective internal reporting
and contingency planning.
The overall objectives of Banks Credit Risk Management
are to:
Ensure credit growth, both qualitatively and
quantitatively that would be sectorally balanced,
diversied with optimum dispersal of risk.
Ensure adherence to regulatory prudential norms
on exposures and portfolios.
Adequately pricing various risks in the credit
exposure.
Form part of an integrated system of risk
management encompassing identication,
measurement, monitoring and control.
248
Uhli u mmrL :
xZ eZq molkl M EmU Ezr M mmi MUl M q
q oM xZ eZq mWcl, qml, aQa u xqMl iMlM,
laUl u UmOa, eZq lrh / zql iMlM AU
xqxrqsM Gh / xZ M molkl Wi oM up mir
lkUi MUi W | oM l sr oeU, eZq xuMr qlSQ,
xZ qeU mkMUh u xZ urim / AlUh mr mU
SzlSz M p mUpwi Mr W |
xZ eZq zql Wi up Emr M krl q UZi Wu Uhli
olD aD W, exq M qWiuus u sr oeU M mWcl,
ulrqM SzlSz u oM M eZq uWl qi mU AkUi
eZq xq ir MUl, xMlSh eZq M lrliq MUl AU
UOa mU AkUi qsr ir MUl zqs W |
oM xqr-xqr mU Gh Sl Wi xpur u EimSl M
mWcl MUa e M ZQ M lwmSl u Ajuruxj M qa mU
lpU Wa | qeS Ajuruxj mUSzr, AS mU AkUi oM M
AaM / M qsrMl M AkU mU oM El q Aml
eZq M miolki MUa exq M u xpur lW W |
xZ x xoki oM M mUcsl mrL u mhs qeoi xZ
eZq molkl xi mU irU Mr era AU AukM xq
M Akl Wa |
xZ mxiu mU xqci xukl M m q oM M mx uxii
xZ eZq mWcl mrL W |
xZ eZq molkl Mr M xUcl u xaPl:
oM q xZ eZq molkl xUcl lql W-
i. lSzM qQs
ii. oQ M eZq molkl xqi (AULqxo)
iii. xZ eZq molkl xqi (xAULqx)
iv. qQs xq iMlM MrMU xqW (LqAUOQosre)
v. qW molkM - eZq molkl upa, m.M. (qZr
eZq AkMU)
Strategies and processes:
In order to realize the above objectives of Credit Risk
Management, the Bank prescribes various methods for
Credit Risk identication, measurement, grading and
aggregation techniques, monitoring and reporting,
risk control/ mitigation techniques and management
of problem loans/ credits. The Bank has also dened
target markets, risk acceptance criteria, credit approval
authorities, and guidelines on credit origination/
maintenance procedures.
The strategies are framed keeping in view various
measures for Credit Risk Mitigation, which includes
identication of thrust areas and target markets, xing
of exposure ceiling based on regulatory guidelines and
risk appetite of the Bank, Minimizing Concentration Risk,
and pricing based on rating.
Bank from time to time would identify the potential and
productive sectors for lending, based on the performance
of the segments and demands of the economy. The Bank
restricts its exposures in sectors which do not have
growth potentials, based on the Banks evaluation of
industries/ sectors based on the prevailing economic
scenario prospects, etc.
The operational processes and systems of the Bank
relating to credit are framed on sound Credit Risk
Management Principles and are subjected to periodical
review.
The Bank has comprehensive credit risk identication
processes as part of due diligence on credit proposals.
The structure and organization of the Credit Risk
Management Function:
Credit Risk Management Structure in the Bank is as
under -
i. Board of Directors
ii. Risk Management Committee of the Board (RMCB)
iii. Credit Risk Management Committee (CRMC)
iv. Model Review Technical Working Group (MRTWG)
v. General Manager-Risk Management Wing, H.O
(Chief Risk Ofcer)
249
vi. Em qW molkM (I u II), eZq molkl upa
vii. xZ eZq molkl mpa, eZq molkl upa
viii. xZ eZq molkl mpa q xZ li Alpa, xZ
xZrM Alpa u xZ eZq molkl Alpa xqWi
W | xZ eZq molkl Alpa M il MrMU QxM
W, xZ eZq molkl QxM, xYZ eZq UOa QxM
u AaM Alxlkl QxM |
ix. qQs uMx Ss
x. qQs uki Ss (LquO)
xi. Acs Mrsr q eZq molkl u xZ xq
Alpa |
eZq UmOa AU / r qm mhs M Mr AU mMi:
oM M Emr xZ eZq qm u laUl mr W | eZq M
qm, xZ eZq UOa M mu-qeU Aprx u oM U xjl
mU UZ ar xMUa qQs M qkrq x W | Cl WU LM eZq
e M pUi xMU M lS MUl M Asu AU ElW xMs I
x VII mU UOa MUl M iWi qlSQ M mWcl Wi oM M
LM Asa x eZq UOa li W | aQ VIII r Eiq eZq
aQ III M QTsO aQ MWi W | me xahl u xj W qsr
lkUh Ezr Wi qlMMi SMh mU pUo M SzlSz
AlxU m xZ eZq M sr eZq pUi M lkUi MUl
Wi qlrimmi DxLAD (o xZ qsrMl xxjl) U Sr
ar UOa M mra / qmma M SzlSz mU p eZq UOa
li eU Si W |
oM l xZ eZq qml Wi xmh xZ mOTsr M sr capital computation and also for pricing purposes.
qlMMi SMh' Amlr W | oM ADAUo SMh M
AU oRl Wi mrx MU UW W AU Cx xok q xp AuzrM
Mzz M e UW W |
oM l xp LqADLx AuzrMiA, eZq pUi Axir M
xahl (AUQosrL), LYxmeU u laUl M xq Wi, up
xZ xoki UmO M Eim MUl, AU up SMh x xZ a robust credit data warehouse for all MIS requirements,
mOTsr M uzswh MUl Wi LM UoxO xZ QO urUWEx
vi. Deputy General Manager (I&II), Risk Management
Wing
vii. Credit Risk Management Department, Risk
Management Wing
viii. The Credit Risk Management Department
comprises of Credit Policy Section, Credit Statistics
Section and Credit Risk Management Section.
The Credit Risk Management Section has three
functional desks, the Credit Risk Management
Desk, Credit Risk Rating Desk and Industry
Research Desk.
ix. Model Development Team
x. Model Validation Team (MVT)
xi. Risk Management & Credit Review Section at
Circle Ofces.
The scope and nature of risk reporting and / or
measurement systems:
Bank has an appropriate credit risk measurement and
monitoring processes. The measurement of risk is
through a pre-sanction exercise of credit risk rating and
scoring models put in place by the Bank. The Bank has a
separate Risk Rating Policy for identifying the parameters
under each of these risks as also assigning weighted
scores thereto and rating them on a scale of I to VII. Grade
VIII or High Risk Grade III is termed as default grade. The
risk rating policy also entails the guidelines on usage/
mapping of ratings assigned by the recognized ECAIs
(External Credit Assessment Institutions) for assigning
risk weights for the eligible credit exposures as per
the guidelines of the RBI on standardized approach for
The Bank has adopted Standardized Approach for entire
credit portfolio for credit risk measurement. The bank
is endeavouring to move towards IRB approaches and
made all necessary efforts in this regard.
The Bank has embarked upon implementation of a
software solution to get system support for establishing
computation of Risk Weighted Assets (RWA), generate
250
xjmi MUl M sr mhs xqjl mmi MUl Wi xnOurU
xsrzl z Mr W |
miU / zql M lUiU mpuMi M laUl Wi eZq u
Uhli u mr M miU AU / r zql M sr li:
oM mjqM m x xZ AlqSi MUi xqr EkUMi M
ur z u Me cMi qi mU lpU MUi W | oM cMi
M xi M m q r EkUMi M EkU mi M qsrMi MUl
Wi LM uMsm M m q AkMiq xmM r aUO mU lpU
lW Wi| mrmi xmM M AuzrMi M MUh q oM El
xZ m M xZ xuk mSl MUl q ql lW MUi |
oM M xZ eZq LYxmeU M molki MUl M q q oM
l Alr MrMU upa M xj mUqz q mkl Mrsr mU
eZq molkl upa U Mr el us xq u Ail xZ
qsrMl u qeU lir M Aml sr W | xZ qsrMl u
qeU mr uxii m x QO urim, qsrMl, lkUh, u
qeU AU uiUh q upei W |
MmUO u u mUrel u Gh Aq iU mU Acs xmr,
xqlri: xm, xr AU EmMUh mU LM mWs aWhkMU
U xUi W | ur mipi ex ur Axi M aUu M
mipi p oM UZi W AU eW p Emr W MmUO aUO u
urai aUO mmi MUi W | uiql Axi M mWs aWhkMU
U MrMU me Gh xUi UZ ei W exq M xqlri:
xc AU mmir zqs W |
xmM mU oM M mpU M uki xli MUl Wi SxiueMUh
mU oM l uxii SzlSz eU Mr W |
Ex Ea M uMx u spel AU oM M eZq uWl qi
M mUSzr q uz Ea / q mOTsr uuki u xmh
LYxmeU xli MUl oM M li W | oM Ajuruxj M
mqZ M LYxmeU M laUl MUi W AU ZxMU up
Ea u xuSlzs M LYxmeU M | AaM aiukr
M LYxmeU Ea M MrlwmSl M uzswh mU AkUi oM
U ir xZ LYxmeU xq M Akl W | oM M LMs u
xqW EkUMiA M LYxmeU M xj-xj mrmi LYxmeU
p EkUMi M eZq UOa AlxU ir Wi W ij xqr-xqr
various credit related reports for review of exposure and
monitoring, and conducting analysis of credit portfolio
from various angles.
Policies for hedging and / or mitigating risk and
strategies and processes for monitoring the continuing
effectiveness of hedges / mitigants:
Bank primarily relies on the borrowers nancial strength
and debt servicing capacity while approving credits. Bank
does not excessively rely on collaterals or guarantees as
a source of repayment or as a substitute for evaluating
borrowers creditworthiness. The Bank does not deny
credit facilities to those assessed as credit worthy for
mere want of adequate collaterals.
In order to manage the Banks credit risk exposure, the
Bank has adopted credit appraisal and approval policies
and procedures that are reviewed and updated by the
Risk Management Wing at Head ofce in consultation
with other functional wings. The credit appraisal and
approval process is broadly divided into credit origination,
appraisal, assessment and approval, and dispensation.
Corporate nance and project nance loans are typically
secured by a rst lien on xed assets, normally consisting
of property, plant and equipment. The Bank also takes
security of pledge of nancial assets like marketable
securities and obtains corporate guarantees and personal
guarantees wherever appropriate. Working Capital loans
are typically secured by a rst lien on current assets,
which normally consist of inventory and receivables.
Bank has laid down detailed guidelines on documentation
to ensure legal certainty of Banks charge on collaterals.
The Banks policy is to ensure portfolio diversication and
evaluate overall exposure in a particular industry / sector
in the light of forecasts of growth and protability for
that industry, and the risk appetite of the Bank. The Bank
monitors exposures to major sectors of the economy and
specically exposure to various industries and sensitive
sectors. Exposure to industrial activities is subjected
to the credit exposure ceilings xed by the Bank based
on the analysis on performance of the industry. The
Banks exposures to single and group borrowers as also
substantial exposure is xed as per the risk rating of the
251
mU pUir Ueu oM U xci uuMmh xq qlSQ M ASU
LYxmeU xiU M xpsl M q q xukM iU mU laUl
M ei W |
xZ urim zZ M lus Mr u Acs Mrsr U Mr
ar xWra x AUpM xiU mU Mr ei W | aWl qsrMl,
xqci xukl u AMsl z MUl x mWs mWcl, AuSl
M mr M ei W |
xZ AlqSl mr LM qWiumh bOM W AU mu-qeU
Aprx M m q EkUMi M Alur xZ eZq UOa M xj
z Wi W | EkUMi x xoki xZ eZq M qm, xcM
bOM M qsrMi MUi W rj, EkUMi M AjM xji,
lMS muW, aiuk, uiql oeU mcsl, pimu mcsl, molkl
xqi, xo MUoU CMDr M xj Alpu, xuk M mMi,
AS | EkUMi M AiUM eZq UOa ua mU AkUi up
mkMUr M mirrei xZ AlqSl zr mWs x W
xjl mU W | u qsr M Akxcl AlxU, oM l mkl
Mrsr u Acs Mrsr xiU mU xZ AlqSl xqi M
aPl Mr W | mzxlM CMDr mU xp qeU mkMUr M
xZ AlqSl zr M umx s sr ar W ij xZ qeU
Wi xqi M SMh M xjl mU UZ Sr ar W | crli
zWU q xZ xuiUh OlLUEQ xqr M Axl MUl u uzw
krl xli MUl Wi oM M mx uzwMi zZA rj,
MSMi mxxMUh CMCr (xmr), ZSU Axi Wo (AULLc),
u LxLqD xsp, W |
lrh Emr M xuki MUl Wi Asa x xZ mzxl u
laUl upa aPi Mr ar W iM uz Gh xq M
e xM, xqxr Zi M laUl, QO BQO, AS M e
xM | rW Gh M MrU qeU laUl mU AkM eU xli
MUi W AU Gh xq i mU oM M lir M iWi Emsok
up EmMUh M mok M qeoi MUi W |
mpu Gh xq Wi, oM M mx lqlsZi W :
qeU lrq u zi M Almsl Wi mu-eU sZmU
mhs, xuiUh x mWs mipir M mhi xli
MUi WL lkUi xmM mipir M mui AS
borrowers and monitored periodically in order to keep
the exposure level within the prudential ceiling norms
advised by Reserve Bank of India from time to time.
The credit origination is through the grass root level ably
assisted by the branch net work and Circle Ofces. The
process of identication, application is carried out before
commencing an in depth appraisal, due diligence and
assessment.
The credit approval process is a critical factor and
commences with the mandatory credit risk rating of the
borrower as a pre sanction exercise. The measurement
of Credit Risk associated with the borrower evaluates
indicative factors like; borrowers nancial position,
cash ows, activity, current market trends, past trends,
management capabilities, experience with associated
business entities, nature of facilities etc. The credit
sanctioning powers delegated to the various authorities
based on internal risk rating categories of the borrower
already put in place. In terms of the Ministry of Finance
notications, Bank has set up Credit Approval Committees
at HO and circle levels. The credit sanctioning powers of
all the sanctioning authorities at administrative units
(i.e., besides branch powers) are withdrawn and the
committee approach for credit approval has been put
in place. The Bank has in place specialized branches viz.
Centralized Processing Units (CPUs), Retail Asset Hubs
(RAHs) and SME Sulabhs at select cities to ease credit
dispensation turnaround time and ensure specialized
attention.
To enhance the control measures, a separate Credit
Administration and Monitoring Wing is in place to
undertake exclusive loan review, monitoring problem
accounts, credit audit, etc. This ensures greater thrust
on post sanction monitoring of loans and strengthen
administering the various tools available under the
Banks policies on loan review mechanism.
For effective loan review, the Bank has the following in
place:
Pre-release Audit System for compliance to
sanction terms and conditions, obtention
of stipulated collateral securities ensuring
perfection of securities before disbursement etc.
252
 aU-Almsl M bOlA M mWcll Wi, uzswi
MUl Wi Lu `5 MUQ M xZ xq M xj qeU
xp mMU M xZ xukA M sr xkU Wi xZ
sZmU mhs
Aas Eiq mkMU U WU LM qeU mkMU U
qeU Gh M xq|
LYxmeU M LM uzw xiU x mU EkU Zi M
qkruk xq |
up xiU mU uzw EssZi Zi (LxLqL) M
laUl, xr GhSi TUq (eLsLT) M aPl u
xqr-mu xkU r mlaPl Wi xbr / eLsL Zi
M qqs q xkUiqM MruW rel (Mm) M xUcl
laUl EmMUh rj, QO laUl TqO (uo
AkUi), iqW xcl mhs, A uwM mUcsl
mhs, xOM BQO, AS M laUl|
zZA mU laUl Mr M mpU xZ laUl
AkMU |
e Cl xqxr Zi M mu-mWcl, uruWr ql el
us Zi M mlaPl AU EkUSiA U uxs r
o Wi iuUi Emr Mr el, exx M oM q olS
Zi z W er, M mixWi MUa, Lx xkUiqM
MUuD M rel M mUZ irU MUi WL LM Rc
uMxi Mr ar W |
mu-AiSr u ZUo Gh:
Ar qlri, Axi uaMUh u muklMUh Wi sa uuMmh
qlSQ AlxU oM lqlsZi ua M Gh u Aaq M aU- Bank considers including following categories of loans
lwmSl Axir qli W, exq M :
xuk Gh M xok q 90 Sl x AkM M Auk Wi
AiSr UWl us qs M ore AU / r Mxi |
AuUQnO / lMS QO (AQ/xx) M xok q
Zi AEO BT BQU' UWa | LM Zi M AEO
BT BQU' ql era eo AiSr zw saiU qeU
xq / AWUh z x AkMi q UW | Ex qqs q
eW mjqM mUcsl Zi q AiSr zw qeU xq
/ AWUh z x Mq W, mUi osz zO M ij mU
Credit Audit System to identify, analyze instances
of non-compliance and rectication for all types
of credit facilities sanctioned with credit limit of
Rs. 5 crore.
Review of loan sanctioned by each sanctioning
authority by the next higher authority.
Mid Term Review of borrowal accounts beyond a
certain level of exposure.
Monitoring of Special Mention Accounts
(SMA) at various levels. Formation of a Joint
Lenders Forum (JLF) and formulation of Corrective
Action Plan (CAP) in the case of consortium/JLA
accounts, for early rectication or restructuring
Monitoring tools like Credit Monitoring Format
(web-based), Quarterly Information Systems,
Half Yearly Operation Systems, Stock Audits etc.
Credit Monitoring Ofcers at branches in charge
of monitoring functions.
A framework has been developed outlining
a corrective action plan that will incentivize
early identication of problem account, timely
restructuring of accounts which are considered
to be viable and taking prompt steps by lenders
for recovery or sale thereby revitalizing the
distressed accounts in the Bank.
Loans Past due and Impaired:
As per the prudential norms applied for income
recognition, asset classication and provisioning, the
and advances as Non-performing Assets, wherein:
Interest and/or instalment of principal remain
overdue for a period of more than 90 days in
respect of a Term Loan.
The account remains out of order in respect
of an Overdraft/Cash Credit (OD/CC). An
account should be treated as out of order if the
outstanding balance remains continuously in
excess of the sanctioned limit/drawing power.
In cases where the outstanding balance in the
253
 saiU 90 Sl Wi MD QO lW W r Ex xqr
M SUl QoO ore M MuU MUl Wi QO mrmi lW
W, El Zi M Alrqi Zi' M m q sr era |
ZUS r Urri os M qqs q 90 Sl x AkM
M Auk M sr os AiSr UWl mU |
Mw Aaq M qqs q, qs M ore AU / r Mxi
2 Txs qxq (Asmuk Txs M xok q) Wi u 1
principal operating account is less than the
sanctioned limit/drawing power, but there are
no credits continuously for 90 days as on the
date of Balance Sheet or credits are not enough
to cover the interest debited during the same
period, these accounts should be treated as out
of order.
The bill remains overdue for a period of more
than 90 days in the case of Bills Purchased and
Discounted.

Txs qxq (so Auk Txs M xok q) Wi AiSr In case of agricultural advances, interest and/or
instalment of principal remains overdue for 2
UWl mU |
crop seasons (in respect of short duration crops)
& 1 crop season (in respect of long duration
MD p mmi Uz e M Alr Zi M xok q 90 Sl crops).
x AkM M Auk M sr AiSr UWl mU |
Any amount receivable that remains overdue for
a period of more than 90 days in respect of other
Mx p iqW q mpUi ore iqW M Ai x 90 accounts.
Sl M AlSU mU iUW x xux lW Wl mU | Interest charged during any quarter is not
serviced fully within 90 days from the end of the
xqr-xqr mU ulrqM U ulS AlxU | quarter and /or
As specied by the regulator from time to time.
(ii) mUqhiqM mMOl
(ii) Quantitative Disclosures
Z. Ms xMs Gh eZq LYxmeU:
(b) Total Gross Credit Risk Exposure:
Uz (` qsrl q) Amount (` in Millions)
uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014
lk AkUi LYxmeU 3,358,258.70 3,041,440.89 Fund Based Exposures 3,358,258.70 3,041,440.89
aU-lk AkUi Non-fund Based
2,666,121.07 2,150,362.94 2,666,121.07 2,150,362.94
LYxmeU Exposures
Ms xMs Gh Total Gross Credit
6,024,379.77 5,191,803.83 6,024,379.77 5,191,803.83
LYxmeU Exposures

254
Z. LYxmeU M pasM upel:

Uz (` qsrl q)

mMOl
lk AkUi LYxmeU aU-lk AkUi LYxmeU

31.03.2015 31.03.2014 31.03.2015 31.03.2014

bUs mUcsl 3,129,728.90 2,848,720.00 2,548,434.52 2,021,899.04

xqSmUr mUcsl 228,529.80 192,720.89 117,686.55 128,463.90

Ms 3,358,258.70 3,041,440.89 2,666,121.07 2,150,362.94

(c) Geographic Distribution of Exposures:

Amount (` in Millions)

Exposures Fund Based Exposures Non-fund Based Exposures

31.03.2015 31.03.2014 31.03.2015 31.03.2014

Domestic operations 3,129,728.90 2,848,720.00 2,548,434.52 2,021,899.04

Overseas operations 228,529.80 192,720.89 117,686.55 128,463.90

Total 3,358,258.70 3,041,440.89 2,666,121.07 2,150,362.94

255
(d) LYxmeU upel Ekra mMU: (uM)
Uz (` qsrl q)

lk AkUi LYxmeU aU-lk AkUi LYxmeU

qM Ea
31.03.2015 31.03.2014 31.03.2015 31.03.2014
1.1 Zll AU EiZll 30,570.80 30,718.20 6,601.60 1,520.00
1.2 Z xxkl 93,182.50 68,830.80 4,287.30 4,520.00
1.2.1 cl 23,253.50 19,555.10 562.30 560.00
1.2.2 Z is u ulxmi 4,186.20 2,606.70 562.70 1,400.00
1.2.3 cr 1,796.00 1,062.00 629.80 710.00
1.2.4 Alr 63,946.80 45,607.00 2,532.50 1,850.00
1.3 mr mSj u ioM 8,590.80 7,540.00 571.30 250.00
1.4 MmQ 157,142.50 134,320.50 9,890.20 13,850.00
1.4.1 xi MmQ 72,451.20 60,197.60 3,813.60 3,150.00
1.4.2 mOxl M MmQ 1,451.00 1,380.0 182.30 240.00
1.4.3 Alr MmQ 83,240.30 72,742.90 5,894.30 10,460.00
1.5 cqQ u cqQ EimS 11,993.50 12,332.70 237.90 320.00
1.6 sMQ AU sMQ EimS 6,210.00 4,460.00 975.50 1,440.00
1.7 Mae AU Mae EimS 25,940.80 20,730.10 6,089.90 4,640.00
1.8 mOsrq, Mrs EimS AU mUqh 33,696.50 48,195.90 23,214.90 28,250.00
Dkl
1.9 Uxrl AU Uxrl EimS 57,789.90 42,298.80 6,965.80 7,759.40
1.9.1 ZS 3,293.20 2,675.30 2,252.10 3,070.00
1.9.2 Awk AU TqxrOMsx 25,839.70 17,408.40 1,860.40 2,030.00
1.9.3 mO MqMs 5,881.10 3,719.60 253.30 349.40
1.9.4 Alr 22,775.90 18,495.50 2,600.00 2,310.00
1.10 UoQ, msxOM AU ElM EimS 17,059.20 13,370.00 2,366.80 1,810.00
1.11 Mc AU Mc M ol xql 1,735.10 1,706.80 17.60 30.00
1.12 xqO AU xqO EimS 23,347.00 18,357.30 1,060.40 610.00
1.13 qs ki AU ki EimS 202,598.50 187,575.30 60,524.90 39,270.00
1.13.1 sW AU Cxmi 131,819.10 122,509.90 46,229.30 31,230.00
1.13.2 Alr ki AU ki EimS 70,779.40 65,065.40 14,295.60 8,040.00
1.14 xp AprM 80,144.50 71,680.50 157,519.20 52,623.40
1.14.1 CsYOlYx 11,968.10 11,876.10 24,467.40 6,440.00
1.14.2 ui 22,008.20 18,550.00 62,510.80 17,923.40
1.14.3 Alr 46,168.20 41,254.40 70,541.00 28,260.00
1.15 uWl, uWl M pa AU uWl EmMUh 41,194.50 32,448.20 16,002.30 6,950.00
1.16 U AU Apwh 11,696.20 11,180.00 11,063.90 10,890.00
1.17 lqh 57,841.50 48,672.50 64,131.60 44,130.00

256
(d) Industry Type Distribution of Exposures (Global):
Amount (` in Millions)

Sl Fund Based Exposure Non Fund Based exposure

No. INDUSTRY
31.03.2015 31.03.2014 31.03.2015 31.03.2014
1.1 Mining and Quarrying 30,570.80 30,718.20 6,601.60 1,520.00
1.2 Food Processing 93,182.50 68,830.80 4,287.30 4,520.00
1.2.1 Sugar 23,253.50 19,555.10 562.30 560.00
1.2.2 Edible Oils and Vanaspati 4,186.20 2,606.70 562.70 1,400.00
1.2.3 Tea 1,796.00 1,062.00 629.80 710.00
1.2.4 Others 63,946.80 45,607.00 2,532.50 1,850.00
1.3 Beverage & Tobacco 8,590.80 7,540.00 571.30 250.00
1.4 Textiles 157,142.50 134,320.50 9,890.20 13,850.00
1.4.1 Cotton Textiles 72,451.20 60,197.60 3,813.60 3,150.00
1.4.2 Jute Textiles 1,451.00 1,380.0 182.30 240.00
1.4.3 Other Textiles 83,240.30 72,742.90 5,894.30 10,460.00
1.5 Leather & Leather Products 11,993.50 12,332.70 237.90 320.00
1.6 Wood and Wood Products 6,210.00 4,460.00 975.50 1,440.00
1.7 Paper & Paper Products 25,940.80 20,730.10 6,089.90 4,640.00
1.8 Petroleum, Coal Products and Nuclear 33,696.50 48,195.90 23,214.90 28,250.00
Fuels
1.9 Chemicals and Chemical Products 57,789.90 42,298.80 6,965.80 7,759.40
1.9.1 Fertilizer 3,293.20 2,675.30 2,252.10 3,070.00
1.9.2 Drugs & Pharmaceuticals 25,839.70 17,408.40 1,860.40 2,030.00
1.9.3 Petro Chemicals 5,881.10 3,719.60 253.30 349.40
1.9.4 Others 22,775.90 18,495.50 2,600.00 2,310.00
1.10 Rubber, Plastic & their Products 17,059.20 13,370.00 2,366.80 1,810.00
1.11 Glass and Glassware 1,735.10 1,706.80 17.60 30.00
1.12 Cement and Cement Products 23,347.00 18,357.30 1,060.40 610.00
1.13 Basic Metal and Metal Products 202,598.50 187,575.30 60,524.90 39,270.00
1.13.1 Iron and Steel 131,819.10 122,509.90 46,229.30 31,230.00
1.13.2 Other Metal and Metal Products 70,779.40 65,065.40 14,295.60 8,040.00

1.14 All Engineering 80,144.50 71,680.50 157,519.20 52,623.40

1.14.1 Electronics 11,968.10 11,876.10 24,467.40 6,440.00
1.14.2 Electricity 22,008.20 18,550.00 62,510.80 17,923.40
1.14.3 Others 46,168.20 41,254.40 70,541.00 28,260.00
1.15 Vehicles, Vehicle Parts and Transport 41,194.50 32,448.20 16,002.30 6,950.00
Equipments
1.16 Gems & Jewellery 11,696.20 11,180.00 11,063.90 10,890.00

1.17 Construction 57,841.50 48,672.50 64,131.60 44,130.00

257
 1.18 AkUpi xUcl 849,647.70 645,301.30 68,191.00 38,910.00
1.18.1 oes 531,704.10 438,329.90 41,390.30 32,210.00
1.18.2 SUxcU 79,195.30 73,731.70 23,648.60 3,910.00
1.18.3 xQ M 103,778.70 70,380.00 821.90 680.00
1.18.4 WuD A 13,768.90 18,270.00 0.00 0.00
1.18.5 oSUaW 10,716.20 10,920.00 108.00 110.00
1.18.6 Usu (pUir Usu M Asu) 39,994.20 11,730.00 922.20 1,670.00
1.18.7 Alr AkUpi xUcl 70,490.30 21,939.70 1,300.00 330.00
1.19 Alr Ea 104,901.20 198,651.10 7,408.90 8,340.00
Ea (sb, qkrq AU oWi M Ms) 1,815,282.70 1,598,370.00 447,121.00 266,112.80

1.18 Infrastructure 849,647.70 645,301.30 68,191.00 38,910.00

1.18.1 Power 531,704.10 438,329.90 41,390.30 32,210.00
1.18.2 Telecommunications 79,195.30 73,731.70 23,648.60 3,910.00
1.18.3 Roads 103,778.70 70,380.00 821.90 680.00
1.18.4 Airports 13,768.90 18,270.00 0.00 0.00
1.18.5 Ports 10,716.20 10,920.00 108.00 110.00
1.18.6 Railways (other than Indian 39,994.20 11,730.00 922.20 1,670.00
Railways)
1.18.7 Other Infrastructure 70,490.30 21,939.70 1,300.00 330.00
1.19 Other Industries 104,901.20 198,651.10 7,408.90 8,340.00
INDUSTRY (Total of Small, Medium and 1,815,282.70 1,598,370.00 447,121.00 266,112.80
Large Scale)

Ea M Gh LYxmeU eW oMr LYxmeU oM M Ms xMs Gh LYxmeU M 5% x AkM W, u lqlui W

Ms LYxmeU Ms xMs Gh
qM Ea
(` qsrl q) LYxmeU M %
1 oes 573,094.40 9.51%

Credit Exposure of industries where outstanding exposure is more than 5% of the Total Gross Credit Exposure of the
Bank is as follows:

Total Exposure
Sl No Industry % of Total Gross Credit Exposure
(` in Millions)
1 Power 573,094.40 9.51%

258
(Q) Axir M Auz xuSiqM mUmYui uzswh
Uz (` qsrl q)

Aaq luz uSz qS Axir

mUmYui xum
31.03.2015 31.03.2015 31.03.2015

171,404.10 3,343.10 37,063.20

0 x 1 Sl
(94,988.30) (3,346.60) (14,795.91)

115,131.70 25,019.93 17,443.40

2 x 7 Sl
(136,358.60) (5,490.20) (33,054.90)

86,225.80 50.00 30,741.80

8 x 14 Sl
(111,190.00) (556.30) (13,779.80)

145,753.42 3,475.43 26,057.00

15 x 28 Sl
(162,313.80) (6,316.20) (19,843.44)

281,390.71 68,678.63 98,018.90

29 Sl x 3 qW
(212,435.70) (24,068.20) (77,123.77)

216,184.54 33,944.66 48,830.30

3 qW x AkM AU 6 qW iM
(214,939.00) (13,400.20) (93,852.81)

472,352.16 50,903.18 109,365.80

6 qW x AkM AU 1 uw iM
(401,353.20) (22,276.50) (38,067.04)

826,288.00 169,812.43 63,843.20

1 uw x AkM AU 3 uw iM
(763,722.70) (123,566.80) (63,824.11)

359,058.61 325,672.85 28,745.30

3 uw x AkM AU 5 uw iM
(279,747.30) (300,923.90) (30,137.30)

635,822.33 741,583.47 38,266.70

5 uw x AkM
(639,536.40) (736,995.30) (6,223.90)

0.00 36,767.61 0.00

ol mUmYui M
(0.00) (32,802.00) (0.00)

3,309,611.36 1,459,251.29 498,375.60

Ms
(3,016,585.00) (1,269,742.20) (390,162.98)

(MM q SL aL AM mNs uw M W)

259
(e) Residual Contractual Maturity Breakdown of Assets:
Amount (` in Millions)

Advances Investments Foreign Currency Assets

Maturity Pattern
31.03.2015 31.03.2015 31.03.2015

171,404.10 3,343.10 37,063.20

0 to 1 day
(94,988.30) (3,346.60) (14,795.91)

115,131.70 25,019.93 17,443.40

2 to 7 days
(136,358.60) (5,490.20) (33,054.90)

86,225.80 50.00 30,741.80

8 to 14 days
(111,190.00) (556.30) (13,779.80)

145,753.42 3,475.43 26,057.00

15 to 28 days
(162,313.80) (6,316.20) (19,843.44)

281,390.71 68,678.63 98,018.90

29 days to 3 months
(212,435.70) (24,068.20) (77,123.77)

216,184.54 33,944.66 48,830.30

Over 3 months & upto 6 months
(214,939.00) (13,400.20) (93,852.81)

472,352.16 50,903.18 109,365.80

Over 6 months & upto 1 year
(401,353.20) (22,276.50) (38,067.04)

826,288.00 169,812.43 63,843.20

Over 1 year & upto 3 years
(763,722.70) (123,566.80) (63,824.11)

359,058.61 325,672.85 28,745.30

Over 3 year & upto 5 years
(279,747.30) (300,923.90) (30,137.30)

635,822.33 741,583.47 38,266.70

Over 5 years
(639,536.40) (736,995.30) (6,223.90)

0.00 36,767.61 0.00

Without Maturity
(0.00) (32,802.00) (0.00)

3,309,611.36 1,459,251.29 498,375.60

Total
(3,016,585.00) (1,269,742.20) (390,162.98)

(The gures in brackets relate to previous year)

260
(c) AleM Axir M Uz (xMs)
Uz (` qsrl q)

qM qS 31.03.2015 31.03.2014
xMs AleM Axir 131,736.10 77,001.70
Au - qlM 71,441.50 34,802.40
xSak 1 33,031.10 24,692.40
L)
xSak 2 27,263.50 16,997.20
xSak 3 0.00 204.90
Wl 0.00 304.80
o) lus AleM Axir 88,265.70 60,302.20
AleM Axir Almi
x) xMs AleM Axir x xMs Aaq (%) 3.92 2.53
lus AleM Axir x lus Aaq (%) 2.67 2.01
AleM Axir M ai (xMs)
AUpM zw 77,001.70 63,557.90
Q) mUukl 109,077.20 84,881.20
MOi 54,342.80 71,437.40
Aiq zw 131,736.10 77,001.70
AleM Axir M sL mukl M ai
AUpM zw 16,260.30 9,823.70
qS M EiU-cR u u Alr (32.50) 304.60
D) Auk M SUl ML aL mukl 41,857.63 22,557.00
o Zi Qsl 15,077.03 15,931.40
AkM mukl M misZl 0.00 493.60
Aiq zw 43,008.40 16,260.30
LT) AleM luz M Uz 2,820.41 2,848.10
e) AleM luz M sL kUi mukl M Uz 2,318.76 2,198.10
luz mU qsrx M sL mukl M ai
AUpM zw 1,636.54 2,128.00
Auk M SUl ML aL mukl 807.23 550.10
Lc)
o Zi Qsl 0.00 0.00
AkM mukl M misZl 125.01 1,041.60
Aiq zw 2,318.76 1,636.50

261
(f) Amount of Non-Performing Assets (Gross):

Amount (` in Millions)

Sl
Items 31.03.2015 31.03.2014
No
Gross NPAs 131,736.10 77,001.70
Sub-Standard 71,441.50 34,802.40
Doubtful 1 33,031.10 24,692.40
a)
Doubtful 2 27,263.50 16,997.20
Doubtful 3 0.00 204.90
Loss 0.00 304.80
b) Net NPAs 88,265.70 60,302.20
NPA Ratios
c) Gross NPAs to Gross Advances (%) 3.92 2.53
Net NPAs to Net Advances (%) 2.67 2.01
Movement of NPAs (gross)
Opening balance 77,001.70 63,557.90
d) Additions 109,077.20 84,881.20
Reductions 54,342.80 71,437.40
Closing Balance 131,736.10 77,001.70
Movement of Provisions for NPAs
Opening Balance 16,260.30 9,823.70
Exchange Fluctuations & Others (32.50) 304.60
e) Provisions made during the period 41,857.63 22,557.00
Write-off 15,077.03 15,931.40
Write back of excess provisions 0.00 493.60
Closing Balance 43,008.40 16,260.30
f) Amount of Non-Performing Investments 2,820.41 2,848.10
g) Amount of Provisions held for Non-Performing Investments 2,318.76 2,198.10
Movement of Provisions for Depreciation on Investments
Opening Balance 1,636.54 2,128.00
Provisions made during the period 807.23 550.10
h)
Write-off 0.00 0.00
Write Back of excess Provisions 125.01 1,041.60
Closing Balance 2,318.76 1,636.50

262
isM Q LT-4: xZ eZq: TABLE DF 4: CREDIT RISK:
qlMMi SMh M iWi mOTsA DISCLOSURES FOR PORTFOLIOS
M sL mMOl SUBJECT TO THE STANDARDIZED
(i)) ahiqM mMOl APPROACH
(L) qlMMi SMh M iWi mOTsA M sL: (i) Qualitative Disclosures

oM l qlMMi SMh M Aiai me mpU M ApMsl (a) FOR PORTFOLIOS UNDER THE STANDARDIZED
Wi LYxmeU M UOa u eZq pUi mSl MUl APPROACH:
M Ezr x lqlsZi QO UOa Lex M mWcl The Bank has recognized following credit rating
M W | agencies for the purpose of rating of an exposure
bUs QO UOa Lexr : & assigning risk weights for computation of capital
charge under standardized approach.
oMuM UOa CQr mCuO sqOQ (oMuM )
Domestic Credit Rating Agencies:
QO uzswh u Alxlkl sqOQ ( xLAUD )
Brickwork Ratings India Private Limited (Brickwork),
xs sqOQ
Credit Analysis & Research Limited (CARE),
ADxAUL sqOQ
CRISIL Limited,
CQr UOax LQ Uxc mCuO sqOQ
ICRA Limited,
(mu q Tc CQr )
India Ratings and Research Private Limited (Formerly
Lx Lq D AU L UOax sqOQ FITCH India)
AiUUr QO UOa Lexr: SMERA Ratings Limited
xOlQQ LQ mAU International Credit Rating Agencies:
qQx Standard & Poor,
LT AD O x Lc (Tc) Moodys,
LYxmeU M mMU exM sL mirM Lex M Emra M FITCH
ei W:
Types of exposure for which each agency is used:
Emr xp Lexr xp mMU M LYxmeU M UOa M sL
All the above agencies are recognized for rating all types
qli W |
of exposures.
mosM Czr UOa M oMa oM q islr Axir q mUuii
A description of the process used to transfer public issue
MUl M mr M uuUh:
ratings onto comparable assets in the banking books:
oM Mus xuelM m x Emsok AlUk UOa M mra The Bank uses only publicly available solicited
MUi W e qlr W AU elM qlri mmi QO UOa ratings that are valid and reviewed by the recognized
Lex U xq M aD W M o QO qsrMl xxjl External Credit Rating Agencies, referred as External
x xlSpi Mr ar W | Credit Assessment Institutions (ECAI).
oM EkUMi M LYxmeU M sL eZq pUi Wi oM Bank uses Bank Loan Rating for risk weighting
Gh UOa M mra MUi W | eW eUMi UOa Emsok W the borrowers exposures. Where Issuer Rating is
oM Cx mMU M UOa M mra MUi W eoiM M oM available, the Bank uses such ratings unless the bank
Gh uzw m x UOQ l W | loan is specically rated.

263
 oM LM W EkUMi M sL LM LYxmeU M sL LM UOa
Lex AU AU SxU M sL SxU oWr QO qsrMl
xxjA M LM W xj mra lW MU xMi eoiM
M xqolki crli LYxmeU UOa Mus LM W oWr
QO qsrMl xxj U Mr ar W | CxM AiU LM
MmUO xqW M AlSU Mx uzw xxj M xm aL UOa
M Ex xqW M SxU xxj M eZq pUi M sL
mra lW MU xMi |
cs xq ex lMS QO M Sb Auk LYxmeU ql
ei W AU iSlxU Cx mMU M LYxmeU M eZq
pUi mSl MUl M sL Sb Auk UOa M mra Mr
ei W |
oWr QO qsrMl xxj U SL aL UOa M eZq
lkUh / sa MUi xqr oM ulrqM Sz lSz / oM
M oQ AlqSl mxiu x lSzi Wi W |
eW LYxmeU/ EkUMi M crli oWr QO qsrMl
xxj x MD UOa mmi W uW oM l eZq pUi M
ahl Wi lqlsZi mr AmlD W:
o rS crli oWr QO qsrMl xxjl U S UOa
Sr ar W e up eZq pU M sL W uW E
eZq pU M sa Mr ei W |
o rS crli oW r QO qsrMl xxjl U il
r Exx AkM UOa Sr ar W AU e up
eZq pU M sL W uW lrliq 02 UOa M xlSp
sr ei W AU El S eZq pU q x E eZq
pU M sa Mr ei W |
The Bank does not simultaneously use the rating of
one ECAI for one exposure and that of another ECAI
for another exposure of the same borrower, unless
the respective exposures are rated by only one of the
chosen ECAIs. Further, the Bank does not use rating
assigned to a particular entity within a corporate
group to risk weight other entities within the same
group.
Running limits such as Cash Credit are treated as
long term exposures and accordingly, long term
ratings are used for assigning risk weights for such
exposures.
While mapping/applying the ratings assigned by the
ECAIs, the Bank is guided by regulatory guidelines/
Banks Board approved Policy.
Where exposures/ borrowers have multiple ratings
from the chosen ECAIs, the Bank has adopted the
following procedure for risk weight calculations:
o If there are two ratings accorded by chosen ECAIs,
which map into different risk weights, the higher
risk weight is applied.
o If there are three or more ratings accorded by
the chosen ECAIs which map into different risk
weights, the ratings corresponding to the lowest
2 ratings are referred to and higher of those two
risk weights is applied.

(ii) mUqhiqM mMOl:

(o) oM LYxmeU M Uz: qlMMi SMh M iWi eZq lrlMUh TYOUa M oS (rj xqmM) qZr eZq oMO q xMs
Aaq (UOQ u AlUOQ):
Uz (` qsrl q)
lk AkUi aU-lk AkUi
qM uuUh
31.03.2015 31.03.2014 31.03.2015 31.03.2014
1 100% eZqpU x Mq 3,603,584.38 3,132,813.35 727,213.70 1,791,548.19
2 100% eZq pU 957,355.85 930,531.48 359,422.44 674,130.28
3 100% eZq pU x AkM 612,343.16 545,052.15 277,485.17 253,408.15
4 bOL aL 426,444.09 375,654.29 130,655.51 125,497.74
5 Ms 4,746,839.30 4,232,742.69 1,233,465.80 2,593,588.88
(ii) Quantitative Disclosures
(b) Amount of the Banks Exposures Gross Advances (Rated & Unrated) in Major Risk Buckets under Standardized
Approach, after factoring Risk Mitigants (i.e. Collaterals):
Amount (` in Millions)
Sl FUND BASED NON-FUND BASED
Particulars
No 31.03.2015 31.03.2014 31.03.2015 31.03.2014
1 Below 100% Risk Weight 3,603,584.38 3,132,813.35 727,213.70 1,791,548.19
2 100% Risk Weight 957,355.85 930,531.48 359,422.44 674,130.28
3 More than 100% Risk Weight 612,343.16 545,052.15 277,485.17 253,408.15
4 Deducted 426,444.09 375,654.29 130,655.51 125,497.74
5 TOTAL 4,746,839.30 4,232,742.69 1,233,465.80 2,593,588.88

264
isM Q LT-5:
LT- : xZ eZq
lrlMUh - qlMMi SMh M sL
mMOl
(i) ahiqM mmMOl
xqmM qsrMl u molkl M sL li u mr: mpu
xqmM molkl M sL oM M oQ x AlqSi xqmM
molkl li W e mr, Ezr, xqmM M xuMr
mMU AU Emr mokl xcl mhs xWi mUZ mU os
Si W | PM x sr ar u moki ML aL xqmM AU aUO
x qSS qsa:
Ami Mz ns q Mq M MUh EkUMi U xZ xuk
q cM M xji q irM i U mlpail Emsok
MUMU eZq M Mq MUl |
cM M xji q mlpail M i M lrh q sl |
EkUMi M bOi mlpail qi M sL mu ciul
Emsok MUl |
eZq pUi Axir M Ciq MUl AU Auz eZq
M mrmi m x xqkl MUl |
oM xZ eZq exx u LYxmeQ W ExM Mq MUl M
sL MD iMlM M mra MUi W | xzki SMh pUi q
oM M urmM SMh (qlMMi AU ADAUo SMh M
iWi) Amll M Alqi Si W e LYxmeU M u xqmM
M sL lkUi qsr M sL mpu Ra x eZq Uz M
Mq MUl M ZsT xqmM M mU pUmD M Alqi Si
W | Cx SMh M iWi oM e rar ur xqmM aWh
MUi W ElW xqmM M eZq mpu Mq MUl M krl q
UZi WL AuzrM me M ahl MUi xqr mim x eZq
LYxmeU Mq MUl M Alqi W |
oM M xqmM molkl mr u mj q eqli qsr M
xU AU xUh, xqmM M aUO, qsrMl / AukM
lUh xWi xqmh aiuk zqs W |
qsrMl: oM U AlqSi Gh M xUi MUl M sr mmi
xjr u cs Axir, Sl W oM U xco qsr lkUM
x qsrMl M Akl W | Zi M qSM xq, EkUMi M
TABLE DF 5: CREDIT RISK
MITIGATION DISCLOSURES FOR
STANDARDIZED APPROACHES
(i) Qualitative disclosures
Policies and processes for collateral valuation and
management: The Bank is having a Board approved
collateral management policy which lays down the
process, objectives, accepted types of collaterals and the
framework including suitable management information
system for effective collateral management. The
Collaterals and guarantees properly taken and managed
that would serve to:
mitigate the risk by providing secondary source of
repayment in the event of borrowers default on a
credit facility due to inadequacy in expected cash
ow or not;
gain control on the source of repayment in the event
of default;
provide early warning of a borrowers deteriorating
repayment ability; and
Optimize risk weighted assets and to address
Residual Risks adequately.
Bank uses a number of techniques to mitigate the credit
risks to which they are exposed. The revised approach
allows banks in India to adopt the Comprehensive
Approach (under both the Standardized and IRB
approaches) which allows fuller offset of collateral
against exposures by effectively reducing the exposure
amount by the value ascribed to the collateral. Under
this approach, banks, which take eligible nancial
collateral, are allowed to reduce their credit exposure
to the counterparty when calculating their capital
requirements by taking into account the risk mitigating
effect of the collateral.
Collateral Management process and practices of the
Bank cover the entire activities comprising security and
protection of collateral value, validity of collaterals and
guarantees, and valuation / periodical inspection.
Valuation: Both the Fixed and the Current Assets obtained
to secure the loans granted by the Bank are subjected to
valuation by valuers empanelled by the Bank. Monetary
265
Axi uaMUh e M qsrMl, qsrMl M AukMi, M
Akl W, oM M li SzlSz q lkUi Mr ar W | oM
qsrMl mU SzlSz M AukM xq MUi W |
oM U sr ar mqZ mMU M xmM M uuUh: oM U
eZq zqM M m q AqiU mU mr Wl us xmM,
ur xmM (rj, lMS, oM eq, eul oq msx,
LlLxx, Mum, QM upa U / mir m x eU xUMU
mipir, oM M Asu u oM U qeU Alr sqOQ Mml M
CYuO zrU, QocU, qrcAs TQ, Me mipi AS), up
mMU M cs Axir AU Acs Axir / xmr AS M
xqWi Mr WL W | rm, qlMMi SMh M iWi AuzrM
me M xahl M Ezr Wi MN uz ur xmM M of capital required under Standardized Approach, certain
m xmM M m q qlri S ar W |
aUOU mim AU ElM EkU mi M qZr mMU: oM UM,
UM CMD (oADLx, ADLqLT, rUmrl xOs oM, u
rUmrl xqSr M xj-xj oWmr uMx oM, Dxex,
u xeOLqLxD xWi) M aUO mmi / xuMU MUi W | CxM
Asu, oM Emr lus qsr us urai r MmUO aUO M
p, xZ eZq M zqM Wi AiU AUq M m q, e M
aUOU mU mir Su q mUuii Mr e xMi W AU r ol
zi u AOs W, M mmi MUi W | aUOU M EkU mi xqlr
m x EkUMi M ur xji x sM lW W r mpui lW
Wi W | oM Uer / MlS xUMU U Sr ar aUO M p
mipi MqTO M m q xuMU MUi W | Lx aUO saiU
mpui UWi W, eo iM M MuU xuk mh m x cM lW
S er r lmOl r UW l MU S er |
lr me Emri mUZ (oxs II qlSQ) M iWi me
AuzrMi M Mq MUl M Ezr x oM U qlrimmi xZ
eZq zql: lr me Emri mUZ (oxs II qlSQ) M
iWi me AuzrMi M Mq MUl M Ezr x oM l xZ
eZq zql M m q lMS, oM M xur M eq, xuh u xuh
Apwh M qlri S W |
sr ar zql M ASU eZq xMSh M oU q xcl: oM
l mWs W xZ eZq M molkl M xuk Sl Wi u
xmM M eZq xMSh xWi xmM molkl M
mpuzsi M qsrMl Wi UoxO molkl xcl mhs
(LqADLx) M sr LM QO urUWEx M xjl mU sl M
sr MSq EPr W |
limits of the accounts, asset classication of the borrower,
which is to be subjected to valuation, periodicity of
valuation, are prescribed in the Banks policy guidelines.
Bank reviews the guidelines on valuation periodically.
Description of the main types of collateral taken by
the Bank: The collateral commonly used by the Bank
as risk mitigants comprises of Financial Collaterals
(i.e. Cash, Bank deposits, Life Insurance policies, NSC,
KVP, Government securities issued directly / by postal
departments, equity shares of limited companies other
than the Bank and approved by the Bank, debentures,
units of mutual funds, debt securities etc.), different
categories of moveable assets and immoveable assets /
properties etc. However, for the purpose of computation
specic nancial collaterals have been recognized as
eligible collateral.
Main types of Guarantor counterparty and their
creditworthiness: Bank obtains/ accepts guarantees
of sovereign, sovereign entities (including BIS, IMF,
European Central Bank and European community as
well as Multilateral Development Banks, ECGC and
CGTMSE). Besides this, Bank also obtains Personal or
Corporate guarantee having adequate net worth, as an
additional comfort for mitigation of credit risk which can
be translated into a direct claim on the guarantor, and
are unconditional and irrevocable. The Creditworthiness
of the guarantor is normally not linked to or affected by
the borrowers nancial position. The Bank also accepts
guarantee given by State / Central Government as a
security comfort. Such Guarantees remain continually
effective until the facility covered is fully repaid or settled
or released.
Credit Risk Mitigation recognized by the Bank for the
purpose of reducing capital requirement under New
Capital Adequacy Framework (Basel II Norms): The Bank
has recognized Cash, Banks own Deposits, Gold & Gold
Jewellery as Credit Risk Mitigations for the purpose of
reducing capital requirement under the New Capital
Adequacy Framework (Basel II Norms).
Information about risk concentration within the
mitigation taken: The Bank has already initiated
steps for putting in place a data warehouse for a
robust Management Information System (MIS) to
facilitate management of Credit Risk and evaluation of
effectiveness of collateral management including risk
concentrations of collaterals.
266
(ii) mUqhiqM mmMOl (ii) Quantitative Disclosures

Uz (`
( qsrl q) Sl Amount (` in Millions)
qM uuUh PARTICULARS
31.03.2015 31.03.2014 No. 31.03.2015 31.03.2014
(o) WU LM Asa (b) The total exposure
x mMOl Mr (after, where
ar xZ eZq applicable, on- or
mOTsr Wi off balance sheet
WrUMO M AuSl netting) that is
M mi m ur covered by eligible 522,612.83 479,925.38
522,612.83 479,925.38
xmM U MuU nancial collateral
Mr el us Ms after the application
LYxmeU (mi, of haircuts for each
eW sa W, Bl- separately disclosed
r BT osz zO credit risk portfolio.
lOa) |
(c) The total exposure
(x) WU LM Asa x
mMOl Mr ar (after, where
mOTsr Wi applicable, on-
aUO / xZ or off-balance
urimS (eo p sheet netting)
pUo U uz that is covered
m x Alqi Mr 283,554.84 245,019.15 by guarantees/ 283,554.84 245,019.15
ar W) U MuU credit derivatives
Mr el us Ms (whenever
LYxmeU (mi, specically
eW sa W, Bl- permitted by RBI)
r BT osz zO for each separately
lOa) | disclosed portfolio

isM QLT-6:
LT- : mipiMUh TABLE DF 6: SECURITIZATION
LYxmeU: qlMMi SMh EXPOSURES: DISCLOSURE FOR
Wi mMO
Ol STANDARDIZED APPROACH
(i) ahiqM mMOl (i) Qualitative disclosures

li SzlSz, mipiMUh u lMS muW M mir xqlSzl The policy guidelines cover guidelines involving transfer
AU ol xxkl AkU M qkrq x Axir M AiUh M of assets through Securitisation and direct assignment
xqWi Mr WL SzlSz M MuU MUi W| of cash ows and are on without recourse basis.

qlM Axir M mipiMUh mU oM M SzlSz q The guidelines to banks on securitisation of standard

xqWi W: assets contain:

267
 Axir M mipiMUh x xoki mukl
lMS muW M mir xqlSzl M qkrq x qlM Axir
M AiUh x xoki lkUh |
oM M uiql liai SzlSz LM muiM (oM, Ll o LT x
/ LT AD) x xqWM lk M ZUS M Mr MUi W | muiM
oM / Ll o LT x / LT AD x lMS muW M mir xqlSzl
M qkrq x Axir M ZUS "LL" ij Exx FmU qsrus
x W | oM Aux Gh, xm M Lue q Gh, Mus AxjU
SU qeU LqLxLqD, x xoki AkUpi Axir M mOTsr
r mOTsr M Az M ZUSi W |
oM U mU M el us AuzrMiA M li UZMi MUi
W rj, Gh M ZUS mU miolk, ms q m EkUMiA M
xqu MUl, rjci uuM- MuDx Almsl Wi qlM,
ZUS ar Axir M ms q EkUMiA M xok q xuiUh x
mWs Almsi M el us AuzrMiL, qsMi M rjci
uuM, ilu mUh, xZ laUl |
oM pUi q Alr oM / LTAD / LloLTx x Gh Mus
ip ZUS xMi W eo ui l xm m x oM M rW mMO
Mr W M uW lUiU AkU mU lrliq mikUh AuzrMi M
Almsl MUa Lu li q lkUi AlxU lrliq WsQa Auk
qlSQ M Almsl mMO MUa |
MN AiUs mU lUiU AkU mU oM ZUS xuruWU M laUl
MUa Lu eW p AuzrM W uW Eci MruW MUa |
Gh xq i u laUl M xok q xZ eZq molkl mU
qxOU li q EssZi xqlr lkUh mipiMUh xuruWU
mU sa W |
qsMi mU LYxmeU oM U lkUi uuM xqqi LYxmeU
xq M ASU Wa |
The provisions relating to securitization of assets.
Stipulations regarding transfer of standard assets
through direct assignment of cash ows.
The banks existing policy guidelines deals with purchase
of pools from an originator (Bank/NBFC/FI). Purchase of
assets through Direct Assignment of cash ows from
originating NBFCs/Banks/FIs shall be only from those
rated AA and above. The Bank shall purchase a portfolio
or a part of portfolio of standard assets under Housing
Loan; Loans Against Property and MSME sanctioned at
oating rates only.
Policy sets out requirements to be met by the bank like
restrictions on purchase of loans; constitution of eligible
borrowers in the pool; standards for due diligence - KYC
compliance, requirements to be complied with prior to
disbursement in respect of borrowers in the purchased
pool of assets; due diligence of the originator, Stress
testing; credit monitoring.
Bank can purchase loans from other banks/FIs/NBFCs
in India only if the seller has explicitly disclosed to the
bank that it will adhere to the Minimum Retention
Requirement on an ongoing basis and disclosed the
adherence to the Minimum holding period criteria as
prescribed in the policy.
The bank monitors the purchase transactions on an
ongoing basis at certain intervals and takes appropriate
action wherever required. The general prescription laid
down in the Master policy on Credit Risk Management
with regard to loan review mechanism and monitoring is
applicable to securitization transactions.
The exposure to the originator shall be within the
prudential exposure ceilings stipulated by the Bank.
268
(ii) qiqM mMOl

(i) oMa oW
Uz (` qsrl q)
qM uuUh 31.03.2015 31.03.2014

(Q) oM U mipiMi LYxmeU M Ms UMq zlr zlr

uiql Auk M SUl oM U mWcl M aD mipiMi Asa Asa LYxmeU uU(ex

(D) zlr zlr
QO MQ, Aux Gh, BO Gh CirS mipi uuUh xWi

(LT) uw M piU mpiMi M el us Axir M UMq zlr zlr

(e) LT q x mpiMUh mu LM uw M piU Axir M UMq zlr zlr

mpiMi UMq LYxmeU M Ms UMq u LYxmeU M ur U mWcl UWi sp r

(Lc) zlr zlr
Wl / M

(AD) M Ms UMq

Asa-Asa LYxmeU M sL UZ aL r r ML aL Bl osz zO mipiMi

zlr zlr
LYxmeU

BT osz zO mpiMUh Asa-Asa mMU M LYxmeU zlr zlr

(i) ZUS aL r UZ aL mpiMUh M xMs Uz u Asa Asa LYxmeU M sL

(e) xqqsi me mpU ij rj 31.03.2014 M mirM ulrq me M Asa Asa zlr zlr
eZq kUi

(ii) LYxmeU e mU iUW OrU | me x bOL aL, Gh xukl, Ms me x bOL aL

zlr zlr
Alr LYxmeU

(ii) urmU oW (` qsrl q)

qM uuUh 31.03.2015 31.03.2014

oM U mpiMi LYxmeU M xMs Uz exM sL oM l MN LYxmeU UZ W ij

(M) 19,489.70 11,075.50
e oeU eZq M Akl W

(Ls) M Ms UMq

Bl osx zO mipiMUh LYxmeU UZ aL r r ML

19,489.70 11,075.50
aL Asa Asa mMU M LYxmeU

BT osx zO mipiMUh Asa-Asa mMU M LYxmeU zlr zlr

(Lq) mipiMi LYxmeU M xMs Uz UZ aD r Asa x r M aD

oM U mpiMi LYxmeU M xMs Uz exM sL oM l MN LYxmeU UZ

19,489.70 11,075.50
W ij e uzw eZq M sL uxii eZq Emr eZq M Akl W ij

269
(ii) Quantitative Disclosures

(i) Banking Book:

` In Millions
Sl
PARTICULARS 31.03.2015 31.03.2014
No
(d) The total amount of exposures securitized by the Bank. Nil Nil
(e) For exposures securitized losses recognized by the Bank during the current period Nil Nil
broken by the exposure type (e.g. Credit Cards, Housing Loans, Auto Loans etc.
detailed by underlying security):
(f) Amount of assets intended to be securitized within a year Nil Nil
(g) Of (f), amount of assets originated within a year before Securitisation. Nil Nil
(h) The total amount of exposures securitized (by exposure type) and unrecognized Nil Nil
gain or losses on sale by exposure type
(i) Aggregate amount of:
On-balance sheet Securitisation Exposures retained or purchased broken Nil Nil
down by exposure type:
Off-balance sheet Securitisation Exposures broken down by exposure type Nil Nil
(j) (i) Aggregate amount of Securitisation Exposures retained or purchased and the Nil Nil
associated capital charges, broken down between exposures and further broken
down into different risk weight bands for each regulatory capital approach.
(ii) Exposures that have been deducted entirely from Tier 1 Capital, credit Nil Nil
enhancing I/Os deducted from total capital, and other exposures deducted from
total capital (by exposure type).

(ii) Trading Book:

` In Millions
Sl
PARTICULARS 31.03.2015 31.03.2014
No
(k) Aggregate amount of exposures Securitized by the Bank for which the Bank has 19,489.70 11,075.50
retained some exposures and which is subject to the Market Risk approach, by
exposure type.
(l) Aggregate amount of:
On-balance sheet Securitisation Exposures retained or purchased broken 19,489.70 11,075.50
down by exposure type; and
Off-balance sheet Securitisation Exposures broken down by exposure type Nil Nil
(m) Aggregate amount of Securitisation Exposures retained or purchased separately for:
Securitisation Exposures retained or purchased subject to Comprehensive Risk 19,489.70 11,075.50
Measure for Specic Risk; and

270
 mpiMi LYxmeU e Asa Asa eZq kUi M mipiMUh xUcl M Akl W:

LYxmeU
qM eZq kUi oQ
31.03.2015 31.03.2014
1 <100% eZq kUi 0.00 0.00
2 100% eZq kUi 0.00 0.00
3 >100% eZq kUi 19,489.70 11,075.50
4 Ms 19,489.70 11,075.50

(Ll) M xMs Uz
mpiMi LYxmeU Wi me AuzrMi mipiMi xUcl M up Asa Asa eZq kUi oQ
M Akl

me M AuzrMi
qM eZq kUi oQ
31.03.2015 31.03.2014
1 <100% eZq kUi 0.00 0.00
2 100% eZq kUi 0.00 0.00
3 >100% eZq kUi 2,631.10 1,495.10
4 Ms 2,631.10 1,495.10

mipiMUh LYxmeU e mU iUW OrU | me, Gh xukl, u Ms me x bOL aL

zlr zlr
Alr LYxmeU

271
 Securitization Exposures subject to the securitisation framework for Specic Risk broken down into different
risk weight bands.

Sl No Risk Weight Bands Exposure

31.03.2015 31.03.2014
1 <100% Risk Weight 0.00 0.00
2 100% Risk Weight 0.00 0.00
3 >100% Risk Weight 19,489.70 11,075.50
4 Total 19,489.70 11,075.50

(n) Aggregate amount of:

The capital requirements for the Securitisation Exposures, subject to the securitisation framework broken
down into different risk weight bands.

Sl No Risk Weight Bands Capital Requirement

31.03.2015 31.03.2014
1 < 100% Risk Weight 0.00 0.00
2 100% Risk Weight 0.00 0.00
3 > 100% Risk Weight 2,631.10 1,495.10
4 Total 2,631.10 1,495.10

Securitisation Exposures that are deducted entirely from Tier 1 capital, credit NIL NIL
enhancing I/Os deducted from total capital, and other exposures deducted
from total capital (by exposure type).

272
xUh QLT-7:
LT- : urmU oW q oeU
eZq
(i) ahiqM
iqM mMOl
Uhli u mrL: oeU eZq molkl M xqrM Ezr oM
M mixmkiqM sp M xkUl M U u xp mMU M oeU
eZq Wl bOlA x Wl M Mq MUl M U zrUkUM qsr
M lqi MUl W |
eo xqa liiu u eZq molkl mUZ M lrh, eZq
molkl upa U Emsok MUr ei W io MUoU CMD
eZq sl Wi Uhli ir MUl u eZq M molki MUl
M sr xz Wi W |
mu-lkUi iui (AWqri, AiUs, mMi) M xp q
u xq Essbl eZq molkl upa M mUuki MU
Sr ei W eW ElW xoki MUl us MruW Emr
mkMUh U lkUi Wa | sr ar lhr M Mrurl Wi
MUoU CMD EUSr Wa |
mr M Ezr W:
oeU eZq aiukr M muUi MUl M sr LM
mLYOu oeU eZq molkl xxMi M xjmi Mr
er |
oeU eZq x xoki xp mxaM ukl u ulrqM
AuzrMiA M Almsl MU |
oeU eZq M mWcl, qml, molkl, laUl, lrh u
xq M xok q lir u mrA M EeaU MUl q
xxai ah M uMxi MU |
up mMU M oeU eZq Wi xq xUcl u OaU M
xjmi MU |
LM qeoi UmOa mhs M xjmi MUl M U mpuMU
laUl i M xjmi MU |
oeU eZq Emr M xui u lrqi qsrMl M
Amlr |
mxaM eZq molkl Mr M xUcl u xaPl: oM M
oeU eZq molkl xUcl lqlsZi W -
lSzM qQs
oQ M eZq molkl xqi
TABLE DF 7: MARKET RISK IN
TRADING BOOK
(i) Qualitative disclosures
Strategies and processes: The overall objective of
market risk management is to create shareholder value
by improving the Banks competitive advantage and
reducing loss from all types of market risk loss events.
While overall leadership and control of the risk
management framework is provided by Risk
Management Wing, the business units are
empowered to set strategy for taking risks and
manage the risks.
All issues or limit violations of a pre-determined
severity (materiality, frequency, nature) are escalated
to the Risk Management Wing where the actions
to address them are determined by the appropriate
authorities. The business units are responsible for
implementing the decision taken.
The process aims to:
Establish a pro-active market risk management
culture to cover market risk activities.
Comply with all relevant legislation and regulatory
requirements relating to Market Risk
Develop consistent qualities in evolving policies &
procedures relating to identication, measurement,
management, monitoring, controlling and reviewing
of Market Risk.
Establish limit structure and triggers for various
kinds of market risk factors
Establish efcient monitoring mechanism by setting
up a strong reporting system.
Adopt independent and regular evaluation of the
market risk measures.
The structure and organization of the relevant risk
management function: Market Risk Management
structure of the Bank is as under
Board of Directors
Risk Management Committee of the Board
273
 Axi Sriu molkl xqi (LLsxA)
oeU eZq molkl xqi (LqAULqx)
qW molkM - eZq mokl upa (qZr eZq AkMU)
- mkl Mrsr
oeU eZq molkl mpa, eZq molkl upa, mM
o LMMi qQ Mrsr
o qQ Mrsr - LMMi Mw
o Axi Sriu molkl Alpa
eZq UmOa AU / r qml mhs M Mr u mu:
oM l oeU eZq molkl Wi MD LYxmeU xqL
lS M W rj, AuUlCO xq, COQr xq, xMs am
xq, WlUk xq, eZq qsr xq, oMU OlAuU xq,
me oeU LYxmeU xq, EimS-uU LYxmeU xq,
eUMi-uU LYxmeU xq, AS
OQa QxM x s MU oQ xiU iM M oM M up xiU
mU eZq xq M laUl Wi eZq UmOa mhs M
xjmi Mr ar W |
eZq molkl r sZMl aiukr Wi oeU q qMa
M sr mr SU xui m x xirmi Wa |
UmO M mra MrlwmSl u eZq, oM M Uhli M
Alm MUoU aiukr M molkl q Wi W |
UmOa mhs xqrxq, xucsl M xj Eci xOMi,
WDsCO mOTsr eZq xMSh M xli MUi W
AU sZi MqOU M xqWi MUi W |
uxii eZq UmO lhr sl M mr M xukl
MUi W |
MUoU M M aiukr MSMi W AU up eZq
xq M laUl Wi mhs M xjmi Mr ar W |
UmOa mm u Au M AukM xq M ar W iM
rW xli Mr e xM M u oM M eZq laUl,
qml u zql AuzrMi M mU MUi W |
Asset Liability Management Committee (ALCO)
Market Risk Management Committee (MRMC)
General Manager RM Wing (Chief Risk ofcer)-
Head Ofce
Market Risk Management Department, Risk
Management Wing, HO
o Integrated Mid Ofce
o Mid Ofce Integrated Treasury
o Asset Liability Management Section
The scope and nature of risk reporting and/or
measurement systems:
The Bank has put in place various exposure limits
for market risk management such as Overnight
limit, Intraday limit, Aggregate Gap limit, Stop Loss
limit, VaR limit, Broker Turnover limit, Capital Market
Exposure limit, Product-wise Exposure limit, Issuer-
wise Exposure limit, etc.
A risk reporting system is in place for monitoring the
risk limits across different levels of the Bank from
trading desk to the Board level.
The rates used for marking to market for risk
management or accounting purposes are
independently veried.
The reports are used to monitor performance and
risk, manage business activities in accordance with
the Banks strategy.
The reporting system ensures timelines, reasonable
accuracy with automation, highlight portfolio risk
concentrations, and include written commentary.
The detailed risk reports enhance the decision-
making process.
Dealing room activities are centralized, and system is
in place to monitor the various risk limits.
The reporting formats & the frequency are
periodically reviewed to ensure that they sufce
for risk monitoring, measuring and mitigation
requirements of the Bank.
274
ocu / zql M eU mpuzsi M laUl Wi eZq u
Uhli u mr M ocu AU / r
r zql M sr li: up
oQ qeU lir rj, oeU eZq molkl li (Sze eZq
molkl u mim oM eZq molkl xWi), luz li, TUYx
Qsa u OQa mUcsl li, AU LLsLq li, M oeU
eZq molkl Wi xjmi Mr ar W | oeU eZq molkl
li, eZq qsrMl, mWcl u qm AU zql, eZq xq u
OaU, eZq laUl u UmOa M sr mUZ mSl MUi W |
oM l up Sz iM LYxmeU s el Wi xq AuOi MUl
Policies for hedging and/or mitigating risk and strategies
and processes for monitoring the continuing effectiveness
of hedges/mitigants: Various Board approved policies viz.,
Market Risk Management Policy (Including Country Risk
Management and Counterparty Bank Risk Management),
Investment Policy, Forex dealing and trading operations
Policy and ALM Policy are put in place for market risk
management. Market Risk Management Policy provides
the framework for risk assessment, identication and
measurement and mitigation, risk limits & triggers, risk
monitoring and reporting.

M sr Sz M eZq uaMUh Wi up qmSQ rj, eQm
u, qSxTi, OQ osz AS mU AkUi Sze eZq UOa
M sr LM AiUM qQs irU Mr W |
uSz oM M uaMUh Wi oM l xMUa qQs xjmi
Mr W | up LYxmeU xqA M xMUa qOYx AlxU
mim U xUi AM mU AkUi MUM ir Mr ar W |
LLsLq li ore SU eZq u cslk eZq M molkl mU
aU MUi W | li l up SzlSz Sr W iM rW xli
Mr e xM M AMxqM umwh msl M xi MUl M
U ilu M xqr q cslk xji AUqSrM W | WU LM
xqr Rc M iWi xWwhi xiU M laqi Mr ar W AU
CxM Mx p mMU M Essbl LM Aaq cslk M Mq
M xMi Sa |
The Bank has developed an internal model for country
risk rating based on various parameters like GDP growth,
ination, trade balance etc for risk categorization of the
countries to allocate limit for taking exposure to various
countries.
The Bank has in place a scoring model for categorization
of foreign banks. The various exposure limits are set
based on the points secured by the counterparties as per
the scoring matrix.
The ALM Policy deals with management of Interest Rate
Risk and Liquidity Risk. The Policy lays down various
guidelines to ensure that the liquidity position is
comfortable at times of stress by formulating contingency
funding plan. Tolerance levels are incorporated under
each timeframe and any breach of it would signal a
forthcoming liquidity constraint.

(ii) mUqhiqM mMOl (ii) Quantitative Disclosures

me AuzrMi M Uz Amount of capital requirement

qM uuUh uuUh (` qsrl q) Sl (` in Millions)
Particulars
No
31.03.2015 31.03.2014 31.03.2015 31.03.2014
(L) or e SU eZq 13,551.90 13,424.02 (a) Interest Rate 13,551.90 13,424.02
Risk
(o) 7,510.60 5,817.54
DYuO xji (b) Equity Position 7,510.60 5,817.54
eZq Risk

(x) 375.90 592.47

uSz ulqr (c) Foreign 375.90 592.47
eZq Exchange Risk

275
isM QLT-8:
LT- : mUcsl eZq
(i) ahiqhM mMOl
Uhlir u mM
MrL
rL: oM M mUcsl eZq mokl mMr,
qeoi xaPliqM xxMi u rar mUcsl Mrukr x lWi
W exq MmUO qsr, mu, mixmkiqMi, AiUM lrh
xxMi, mpu AiUM UmOa u AMxqM rel, lir
lkUi W exx M oM q mUcsl eZq M mpu mokl
xli W xM |
mxaM eZq mokl Mr M Rc u xaPl: oM q mUcsl
eZq mokl Rc lqllxU W :
lSzM qQs
oQ M eZq mokl xqi (AULqxo)
mUcsl eZq mokl xqi (AAULqx)
mqZ/ qW mokM eZq mokl / qZr eZq AkMU
mUcsl eZq mokl upa (AAULqQ), m. M.
qZr qW mokM/ upa M qW mokM / Acs mqZ
Acs M qlli MrmsM
Acs q eZq mokl Alpa
eZq UmOa ij / r mUqml mhsr M urmi Lu mMU:
eZq UmOa q, zZA/Mrsr q sa, mMr, iMlM
u oWU Mrq M xok q bOi mUcsl eZq Wl xok
bOlL zqs W | upll xi x xaW Mr ar QO M mra
eZq qOYx irU MUl M sL Mr ei W exq pUir
Ueu oM U qlr xi Wl xok bOl mMU u AP MUoU
AkU zqs W |
ocu-uruxj AU / r eZq zql MUl M xok q lir
ij ocu-uruxj / mzql M saiU eU mpuMi mU
laUl UZl Wi Uhlir u mrL: oM l mUcsl eZq M
mokl q lir lkUi M W | li xok Rc q AplkUh,
mokl, laUl u mzql ex mUcsliqM eZq mokl xok
upll mWs zqs W |
rMsm M AEOxxa q lWi eZq M luUh M sL
oM l AEOxxa eZq M mokl M sL lir lkUi
M W |
TABLE DF 8: OPERATIONAL RISK
(i) Qualitative Disclosures
Strategies and processes: The Operational Risk
Management process of the Bank is driven by a strong
organizational culture and sound operating procedures,
involving corporate values, attitudes, competencies,
internal control culture, effective internal reporting
and contingency planning. Policies are put in place for
effective management of Operational Risk in the Bank.
The structure and organization of the relevant
risk management function: The Operational Risk
Management Structure in the Bank is as under:
Board of Directors
Risk Management Committee of the Board (RMCB)
Operational Risk Management Committee (ORMC)
Head / General Manager Risk Management / Chief
Risk Ofcer
Operational Risk Management Department (ORMD),
HO
Chief General Managers / General Managers of
Wings / Circle Heads
Nominated Executives at Circles
Risk Management Sections at Circles.
The scope and nature of risk reporting and/or
measurement systems: The Risk reporting consists
of operational risk loss incidents/events occurred in
branches/ofces relating to people, process, technology
and external events. The data collected from different
sources are used for preparation of Risk Matrix consisting
of 7 loss event types and 8 business lines recognized by
the RBI.
Policies for hedging and/or mitigating risk and strategies
and processes for monitoring the continuing effectiveness
of hedges/mitigants: Bank has put in place policies for
management of Operational Risk management. The
policy framework contains various aspects of Operational
risk management such as identication, management,
monitoring & mitigation of Operational risk areas.
In order to address risks involved in Outsourcing of
activities, bank has put in place policies for management
of Outsourcing Risk.
276
mUcsl eZq mme q
qsrMl: oM l mUcsl eZq M sL
me mpU mUMsi MUl M sL qs xMiM SMh (oxM
CQMOU Amc) M Amlr W |
oM Ei qml SMh (LLqL) q mUuii Wl M CcNM W |
mUqhiqM mMOl:
qs xMiM SMh (oxM CQMOU Amc) M iWi mUcsl
eZq M sL me Am `16,803.04 qsrl W |
isM Q LT-9:
LT- : oMa mxiM q ore
SU eZq (ADAUAUoo)
(i) ahiqM mMOl:
oMa mxiM q ore SU eZq (ADAUAUoo)
ore SU eZq uW eZq W eW oeU ore SU q mUuil x
oM M uiir xji mpui Wi W | cM, upll mUmYui/
mlqsrl, qS, oeU u ocqM SU M isl m M qS u isl
m M CiU qS M xok q oM M SU xuSlzs ol UWi W
AU Cl qlSQ q Mx mMU M miMs xum M EcU-cRu
x oM, ore SU eZq x axi Wi W | oMa mxiM q ore
SU eZq (ADAUAUoo) x ore SU q miMs EiU-cRu
M MUh oM M Emel (sb-Auk M mpu) mU Wlus mpu
ij lus qsri (Sbuk M mpu) M oU q mi csi W
AU Cx qxM AkU mU AM ei W |
xaPliqM Rc
oM M Axi Sri mokl xqi (LLsxA), lSzM qQs
U/eZq mokl xqi U xjmi eZq xWl xiU M
AlxU ore SU eZq mokl Uhli uMxi MUl AU Ex
Mrlui MUl, xq M AU-mU u MUoU q ij Mll
CMCr M rW upll qSA q ore SU eZq M mokl MUl
M sL eqqSU W | LLsxA, oM M ore SU SMh p
lri MUi W AU pu MUoU Uhli M sL Aml lhr M
xok q AkU irU MUi W | lkrl li M xok q, Axi
lqh MUl M xok q xi u SriA M xW qh lkUi
MUl ExM eqqSU W | LLsxA, oQ U xjmi upll
Gh xqA M laUl UZi W AU Gh xq q Mx mMU
M sm Wl mU xkUiqM MUuD MUi W |
Operational Risk capital assessment: The Bank has
adopted Basic Indicator Approach for calculating capital
charge for Operational Risk.
Bank intends to migrate to the Advanced Measurement
Approach (AMA).
Quantitative Disclosure:
The capital requirement for Operational Risk under Basic
Indicator Approach is ` 16,803.04 Millions.
TABLE DF 9: INTEREST RATE RISK IN
THE BANKING BOOK (IRRBB)
(i) Qualitative Disclosures
Interest Rate Risk in Banking Book (IRRBB)
Interest Rate Risk is the risk where changes in market
interest rates affect a banks nancial position. As the
bank holds rate sensitive on and off balance-sheets items
of different maturity/repricing, currencies, markets and
benchmark rates, and any adverse movement in these
parameters exposes bank to interest rate risk. Interest
Rate Risk in Banking Book (IRRBB) reveals the impact
on banks earnings (short-term impact) and net-worth
(long-term impact) due to adverse movement of interest
rates and is measured on a monthly basis.
Organizational Framework
Asset Liability Management Committee (ALCO) of the
Bank is responsible for developing and implementing
interest rate risk management strategy, managing
interest rate risk in different currencies, across borders
and across business lines and legal entities as per the
risk tolerance established by the Board of Directors/
Risk Management Committee. The ALCO also articulates
interest rate view of the bank and bases its decisions
for future business strategy. In respect of the funding
policy, its responsibility is to decide on source and mix
of liabilities for creation of assets. ALCO monitors the
various limits established by the Board for interest rate
risk and takes corrective action if there is any breach in
the limit.
277
Uhlir u mr
rL
L Strategies and Processes
oM Aml Axir u SriA M Mqi M xqM oll M
xj-xj EmrYi xqmi mSl MUl M mrx MUi W exx
M mUmYu Wl us r mlqsri Wlus upll xqr-Auk?
us Axi u SriA q AiU M Mq Mr e xM | ore SU
eZq M qml u mokl M sL oM Aml Axi u SriA
u ilm UWi qS M uzuM xji e M SU xuS W, M mi
Sl mUmUM AiU uzswh (OeL) AU Auk AiU uzswh
(QeL) Amli W |
oM, SU xuSlzs Axir/SriA/isl-m CiU qS M
xok q OeL u QeL sa MUi WL WU qS q mirM ore SU
eZq xji M mUMsl Ex qS, eW r i Axir Aju
SriL oM M uzuM Axir r uM SriA M Ms ra sensitive assets/ liabilities/ off balance sheet items in
M qiMos 5 mizi r Exx AkM W, q MUi W | Alr
xp AuzwO qSA q ore SU eZq M xji M mUMsl
Asa x xqa AkU mU Mr ei W | aU-mUmYui Auk
M eqA M uaMUh oM M AcUh Akrrl M AlxU Mr
era |
ore SU eZq, ml:-lkUh, Ar u mUuil, AkUpi
eZq u uMsmM eZq M MUh Eim Wi W | oM M
Ezr mUmYui u Mqi-lkUh M xisl x Eim Wlus
eZq M Ar Emel M Sl mUmr rl AjM u qs-
r mUmr x mi sal W exq lqlsZi iMlM M
mra W |
1. AiU uzswh:
wh: ore SU eZq AMl M sL qs xkl
M mra, AuzwO mUmYui Auk Aju Aas Mqi
lkUh, Clq x e p mWs W, M AlxU, SU xuSlzs
Axir (AULxL) u SU xuSlzs SriA (AULxLs)
M upll qS ij isl-m CiU qS M pll-pll xqr
Aukr q xqWMUh MUl M eUL ore SU xuSlzs
uuUh (ADAULx) irU MU lus AiU (rl AULxL
AULxLs) M mi sal Wa | xMUiqM Aju Axi
xuSlzs AiU M rW Azr W M rS oeU ore SU q
u Wi W i mUhqxum LlADAD q p u Wa |
CxM umUi, lMUiqM r Sri xuSlzs AiU M iimr
W M oeU M ore SU q u M MUh oM M LlADAD
bO xMi W |
2. Ar Ael q eZq (DLAU): Ar Ael q eZq (DLAU)
rW xMi Si W M Yr xqUiqM AiU olr UZl M
eUL ore SU q Wlus u x oM sp EP xMi
W r TU lMUiqM AiU olr UZl M eUL ore SU
q UaUuO x sp EP xMi W | ore SU q xqiU
mUuil M Tsxum Ar-Ael mU Mqi-lkUh mU mQl
us mpu M qsrMl upll SU mWU M xok q Mr
ei W | Ar u mUuil u AkU eZq M xok q
Ar-Ael M mpu M Alql sar ei W |
The Bank strives to match the price of its assets and
liabilities coupled with proper maturity matching in-
order to reduce the gap in different time buckets which
are maturing or getting repriced. For measurement and
management of interest rate risk, Bank adopts both the
Traditional Gap Analysis (TGA) and the Duration Gap
Analysis (DGA) to its global position of assets, liabilities
and off-balance sheet items, which are rate sensitive.
The Bank computes its interest rate risk position in
each currency applying the TGA and DGA to the rate
that currency, where either the assets, or liabilities are 5
per cent or more of the total of either the Banks global
assets or global liabilities. The interest rate risk position
in all other residual currencies is computed separately
on an aggregate basis. The non-maturing deposits are
classied as per the behavioural study of the Bank.
The interest rate risk arises on account of re-pricing, yield
curve change, basis risk and options risk. The Bank aims
at capturing these risks arising from the maturity and re-
pricing mismatches both from earnings perspective and
economic value perspective using techniques viz.,
1. Gap Analysis: The basic tool for measuring interest
rate risk is preparation of Interest Rate Sensitivity
Statement (IRS) by grouping various items of Rate
Sensitive Assets (RSA) and Rate Sensitive Liabilities
(RSL) and off balance-sheet items into different time
buckets according to the residual maturity or next
re-pricing, whichever is earlier and arriving at the
net gap (i.e., RSA RSL). A positive or Asset Sensitive
Gap means that an increase in market interest rates
result in an increase in NII. Conversely, a negative
or liability sensitive Gap implies that the Banks NII
could decline as a result of increase in market interest
rates.
2. Earnings at Risk (EaR): Earnings at Risk (EaR) indicate
the impact of repricing risk on the earnings due to
the parallel shift in interest rate assessed for different
rate shocks. Impact on the earnings is also estimated
for yield curve change and basis risk.
278
3. DYuO M M oeU qsr (LquD): mUuilzs ore SU 3. Market Value of Equity (MVE): A long-term impact
MSbuk mpu oM oeU M DYuO qsr (LquD) r of changing interest rates is on banks Market Value
lus qsri mU Wi W YrM oM M Axir, SriA of Equity (MVE) or Net-worth as the economic value
M AjM qsr AU isl-m CiU xjir, oeU M ore of banks assets, liabilities and off-balance sheet
SU q Wlus mUuil M MUh x mpui Wi W | xqc positions get affected due to variation in market
oM q ore SU xuSlzs xjir M mUuil x Wlus interest rates. The estimated drop in the Market
lkUi SU mWU M MUh DYuO M oeU qsr (LquD) q Value of Equity (MVE) as a result of prescribed rate
Alqli aUuO M mYMsl Auk AiU uzswh (QeL) shock arising from changes in the value of interest
x Mr ei W | rate sensitive positions across the whole Bank is
estimated by the Duration Gap Analysis (DGA).
(ii) mUqhiqM mMOl:
(ii) Quantitative Disclosures
Ar Ael q eZq (DLAU)
EARNINGS AT RISK
lqlsZi isM q rj 31.03.2015 M xp qSA q LM
The following table presents the impact on net interest
uw iM M Auk M sL ore SU q Msmi 100 AkU oS
income of the Bank for an assumed parallel shift of 100
(omLx) xqiU mUuil M xok q oM M lus ore Ar
bps in interest rate up to one year across currencies as at
mU Wlus mpu M elMU W:
31.03.2015.
Amount (` in Millions)
Uz (` qsrl q)
1 uw iM
iM ore SU q mUuil Change in interest rate up to 1 Year
qS Currencies
31.03.2015 31.03.2015
-100 bps +100 bps -100 bps +100 bps
ADLlAU (5,430.20) 5,43.02 INR (5,430.20) 543.02
rLxQ (489.70) 489.70 USD (489.70) 489.70
Alr (101.80) 101.80 Others (101.80) 101.80
Ms (6,021.70) 6,021.70 Total (6,021.70) 6,021.70

DYuO M AjM qsr ECONOMIC VALUE OF EQUITY

lqlsZi isM q rj 31.03.2015 M oMa oW mU Msmi The table reveals the impact on Economic Value of Equity
200 AkU oS (omLx) M xok q DYuO M AjM qsr mU for an assumed rate shock of 200 bps on the Banking
Wlus mpu M elMU W : Book as at 31.03.2015

-200 +200 -200 +200

DYuO M AjM qsr Change in Economic Value
AkU AM AkU AM bps bps
q mUuil of Equity
8.41% (8.41%) 8.41% (8.41%)

279
mMOl mm isM-
isM-10
10:: mim Gh
eZq x xoki LYxmeU M xok q
xqlr mMO
MOl
(i) ahiqM mMOl:
oM q, mim Gh eZq mokl M xok q li W
exmU lSzM qQs M AlqSl mmi W | Cx li q, oM
q mim Gh eZq mokl M xok q qlM u SzlSz
lkUi M ar W | Cx li M eUL oM M upll bOM u
eZq M xai xi M muUi MUi WL oeU urmUi sZi
q xxAU M mWcl MUl M sL qlM u SzlSz M
xjmi MUl Wa | CxM eUL lmOl-mu eZq, lmOl
eZq u asi mMU M eZq M xqkl Wi W |
mim Gh eZq LM oW-Arq Mxq M eZq W
e Sl mim M LYxmeU u mim M Gh M ahuii
x mpui Wi W AU r Sl oeU-EimUi mUuil M mi
xuSlzs W | Cl eZq M mUxmU r x p rW mpui
Wi W, ESWUh M sL, Mx LYxmeU AU mimMU
Mqi-sai AiU M oc xWxok r oM M mimMU M
oc LYxmeU M xWxok | mpu xxAU mokl Rc M
mpu Mrlurl M xli MUl M sL Gh, oeU ij
mUcsl eZq x eZq mokl iMlM M xrel M
AuzrMi W |
oM M xq xOa u laUl mqZ m x qeS lir rj,
Gh li, xZ eZq molkl li, luz li, oeU eZq
Wi qxOU li, MEOUm oM M LYxmeU xq mU li Lu
BT osz zO LYxmeU mU li U muUi W |
xq xjmi MUl Wi, MEOUm xZ eZq Wi ElM xq
u laUl Wi lql M oM ucUj s xMi W :
oM mUcsl xq M Lu Alr AiUM lrh mjA M
xjmi u mpu MUa e M xxAU molkl Wi xjmi
eZq xWlzsi, lir u Uhlir M Alm xiU M
ASU Aml xxAU LYxmeU AlUi UZ |
xxAU xqA M urai MEOUm u xoki
MEOUm M WU LM xqW Wi mu-lmOl eZq u lmOl
eZq M sr uz xq M xj WU LM MEOUm Wi
TABLE DF 10: GENERAL DISCLOSURE
FOR EXPOSURES RELATED TO
COUNTERPARTY CREDIT RISK
(i) Qualitative Disclosures
Bank has a board approved policy on Counterparty Credit
Risk Management. This policy sets out the standards and
guidelines for Counterparty Credit Risk Management at
the Bank. Through this policy the bank shall establish
its standards and guidelines for identication of CCR in
market traded instruments covering various components
and relevant sources of risks. This addresses Pre-
settlement Risk, Settlement Risk and Wrong Way Risk.
Counterparty Credit Risk is a multi-dimensional form of
risk, affected by both the exposure to counterparty and
the credit quality of the counterparty, both of which
are sensitive to market-induced changes. It is also
affected by the interaction of these risks, for example the
M correlation between an exposure and the credit spread
of the counterparty, or the correlation of exposures
among the counterparties of the Bank. Implementing
an effective CCR management framework thus requires
a combination of risk management techniques from the
credit, market, and operational risk disciplines.
Banks limit setting and monitoring is primarily covered
across existing policies such as Loan Policy, Credit Risk
Management Policy, Investment Policy, Master Policy for
Market Risk, Policy on Exposure Limits on Counterparty
Banks and Policy on Off- Balance Sheet Exposure.
Bank includes under consideration the following for
setting the limits, their review and monitoring for
counterparty credit risk:
Bank shall establish and enforce operating limits
and other internal control practices that maintain
their CCR exposures within levels consistent with the
established risk tolerance, policies and strategies for
CCR management.
CCR limits may be set on the amounts and types of
transactions authorized for each counterparty, with
distinct limits for pre-settlement risk and settlement
280
 mkMi xuruWU M mMU Lu Uz mU xjmi Mr e
xMi W | Lx xqA M ilu mUh M mUhq M
ucUj sl cWr |
Em-xq M uz EimS (ESWUh,euM, uMsm, xum r
LxOLT), oeU r Ea (ESWUh, ur xxjl r
MmUO), r AilWi oeU TYOU (ESWUh, ulqr SU u
ore SU) Wi p eW p AuzrM sa, xjmi Mr e
xMi W |
oM mUmUai QO LYxmeU Wi Mr ar AlxU
MEOUm M EkUmi mU AkUi mu-lmOl eZq Wi
xq xjmi MUa |
EkUMi M EkUmi x AkM u FmU lmOl eZq
xqA Wi oM Alr qlSQ M p ucUj sa
rj, xqWi pail Sru M MsmlM Uz, lrei
mxaM lmOl mhs M mpuimSMi u uxlri
(ESWUh, pail-olq-pail u uiUh-olq-pail
mhs lmOl eZq M xqmi MUl q qSS MUa), Auk
exM sr LYxmeU AiSr UWa, AU MD p xo
xmM r lOa uruxj |
xq uwM xq M Akl Wa Lu Ex Eci xq
mkMUh M xq UZ era|
asi qar eZq
xqlr asi-qar eZq io Wi W eo MEOUm M
QTsO M xpul xMUiqM m x xqlr oeU eZq
ahM x xWxo W | mOTsr q xqlr asi-qar
eZq M mWcl ilu-mUh M qkrq x Wa | Ex
mUSzr q eW QO ahu M aUuO SZ aD W uW
rS ilu-mUh MEOUm LYxmeU q xu M q M
mWcl MUi W i rW ql era M mOTsr M xqlr
asi-qar eZq uzwi W |
asi-qar eZq M mWcl q MEOUm M mU elMU
Lu MEOUm M xZ ahu u LYxmeU (AilWi /
xSp Axi M qsr) M qkr xpui sMe M oU q
ell M AuzrMi W | AkMiU qqs q asi-qar
eZq eOs W Lu LiWxM QO M uzswh x p xm
risk, for individual counterparties and each group of
related counterparties. Such limits should take into
account the results of stress-testing.
Sub-limits may also be established for specic
products (e.g. forwards, options, swaps or SFTs),
market or industry sectors (e.g. nancial institutions
or corporates), or underlying market factors (e.g.
exchange rates and interest rates) wherever deemed
necessary.
Bank shall set limits for pre-settlement risk based on
the creditworthiness of the counterparty in the same
way as for traditional credit exposures.
For settlement risk limits, over and above the
creditworthiness of the borrower, the bank shall
also consider other parameters like notional amount
of the payment obligations involved, the efciency
and reliability of the relevant settlement systems
employed (e.g. the use of payment-versus-payment
and delivery-versus-payment systems will help
eliminate settlement risk), the period for which
the exposure will remain outstanding, and any
associated collateral or netting arrangements.
The limits shall be subject to annual reviews and
placed to appropriate reviewing authority.
Wrong way Risk
General wrong-way risk arises when the probability
of default of counterparties is positively correlated
with general market risk factors. General wrong
way risk in the portfolios is identied through stress
testing. If the stress testing identies a pattern of
increase in counterparty exposure for a scenario
where deterioration of credit quality is witnessed, it
is deemed that the portfolio has general wrong-way
risk characteristics.
Identication of wrong way risk requires a sound
knowledge of the counterparty and the potential
linkage between the credit quality of counterparty
and exposure (value of underlying/reference asset).
Wrong way risk is in most cases subtle and not
obvious from the analysis of historical data. It can be
281
 lW W | MEOUm xZ mTCs u LYxmeU Uz M qkr
lpUi mU ucUj MUl M U CxM mWcl M e xMi
W | lpUi UZM W xMi W Lu Ex xji q xWxok
mRD M qkrq x Cx MmcU Mr e xMi W Lu CxM
mWcl M e xMi W | uMsmM m x xok ir q
q r AMxqM W xMi W rj, MUh u mpu mMU ex
M ahiqM u qiqM qsrMl M AuzrMi Wa |
identied by considering the dependence between
counterparty credit prole and the exposure amount.
The dependence may be linear in which case it can be
captured and identied through correlation studies.
Alternatively the relationship could be second order
or even causal i.e. cause and effect type which would
need qualitative and quantitative assessment.

asi qar eZq xxAU M LM qWumh mWs W
exl M oM M pU lMxl mWcr W | AiLu oM
Aml AOx QUuOu u LxLTO mOTsr M SUl
uzw u xqlr asi-qar eZq, Sl M W relo
iUM x mWcl MUl, qml u lri MUl Wi LM mr
xjmi MUa |
Wrong way risk is an important aspect of CCR that
has caused major losses to banks. The Bank shall
thereby establish a process to systematically identify,
quantify, and control both specic and general
wrong-way risk across its OTC derivative and SFT
portfolios.

(ii) mUqhiqM mMOl

Uz (` qsrl q)

. Alqli Uz cs LYxmeU
uuUh
x. 31.03.2015 31.03.2014 31.03.2015 31.03.2014

1 uSz ulqr PM 1,832,011.90 1,314,865.30 14,068.80 36,154.40

2 mUxmU slSl M qS ore SU M 15.60 5,788.00 0.00 0.00

ASs-oSs

3 LMs qS ore SU M ASs-oSs 65,625.90 62,911.10 3,412.00 4,532.80

4 Ms ra 1,897,653.40 1,383,564.40 17,480.80 40,687.20

(ii) Quantitative disclosure

Amount (` in Millions)

Sl Notional Amount Current Exposure

Particulars
No 31.03.2015 31.03.2014 31.03.2015 31.03.2014

1 Foreign Exchange Contracts 1,832,011.90 1,314,865.30 14,068.80 36,154.40

2 Cross Currency Interest rate Swaps 15.60 5,788.00 0.00 0.00

3 Single Currency Interest Rate Swaps 65,625.90 62,911.10 3,412.00 4,532.80

4 Total 1,897,653.40 1,383,564.40 17,480.80 40,687.20

282
isM QLT-11
LT-11:: me M xbOl
pa II: 31 qc, 2017 x mWs Emra Mr elus lql (rl oxs III ulrqM xqrel M xqh Auk M SUl)

(` qsrl q)

ulrqM xqrel M xqh Auk M SUl Emra mu oxs III

Mr elus xqlr mMOMUh lql m Uz uruWU M Akl xSp xZr
(rl 1 Ams, 2013 x 31 SxoU, 2017 2017) Uz
xqlr CYuO xiU 1 me: xkl ij pQU
miri: eU uzwM xqlr zrU me + xoki AiU
1 37,503.35 L=L1+L2
xOM (zrU mqrq)

2 UM UZ aD Ar 221,506.86 o=o1+o2+o3+o4

3 xci Alr urmM Ar (ij Alr pQU) -

xDO 1 x xqmi M Akl miri: eU me (Mus aU
4 -
xr xOM Mqmlr M sr sa)
1 eluU 2018 iM xuelM me Ai:mh mUl
CMCr
xWrar U eU ij ixU m U UZ aD xqlr
5 187.50 x1
zrU me (xDO 1 xqW q Alqi Uz)

6 ulrqM xqrel M xq xqlr CYuO xiU 1 me 259,197.71

xqlr CYuO xiU 1 me: ulrqM xqrel

7 uuMxqqi qsrMl xqrel -

8 xZ (xoki MU Sri M lus) -

okM zkl AkMU M Asu Aqi
9 423.70 282.46 Q
(xoki MU Sri M lus)

10 Axjai MU Axir -

11 lMS muW ocu AUi lk -

12 xqar M xpui lMxl q Mq -

13 o mU mipiMi mmi -
Eci qsr M SriA mU xur xZ eZq q mUuil
14 -
M MUh sp u Wl

15 lkUi sp mzl lk lus Axir -

xur M zrU q luz (UmO Mr ar isl m mU pail

16 -
M aD me M oS lW Mr ar)

17 xqlr CYuO q umUi mikUi 174.85 116.56 D

283
TABLE DF 11: COMPOSITION OF CAPITAL
Part II: Template to be used before March 31, 2017 (i.e. during the transition period of Basel III regulatory adjustments)
(` in Millions)

Amounts
Basel III common disclosure template to be used during
Eligible subject to
the transition of regulatory adjustments (i.e. from April 1, Ref No
Amount Pre-Basel III
2013 to December 31, 2017)
Treatment
Common Equity Tier 1 capital: instruments and reserves
Directly issued qualifying common share capital
1 37,503.35 a=a1+a2
plus related stock surplus (share premium)
2 Retained earnings 221,506.86 b=b1+b2+b3+b4
Accumulated other comprehensive income (and
3 -
other reserves)
Directly issued capital subject to phase out from
4 -
CET1 (only applicable to non-joint stock companies)
Public sector capital injections grandfathered until
1 January 2018
Common share capital issued by subsidiaries and
5 held by third parties (amount allowed in group 187.50 c1
CET1)
Common Equity Tier 1 capital before regulatory
6 259,197.71
adjustments
Common Equity Tier 1 capital: regulatory adjustments
7 Prudential valuation adjustments -
8 Goodwill (net of related tax liability) -
Intangibles other than mortgage servicing rights
9 423.70 282.46 d
(net of related tax liability)
10 Deferred tax assets -
11 Cash-ow hedge reserve -
12 Shortfall of provisions to expected losses -
13 Securitisation gain on sale -
Gains and losses due to changes in own credit risk
14 -
on fair valued liabilities
15 Dened-benet pension fund net assets -
Investments in own shares (if not already netted off
16 -
paid-in capital on reported balance sheet)
17 Reciprocal cross-holdings in common equity 174.85 116.56 e

284
18 oMa, ur ij oq lMr M me q luz e -
lrqM uqz M SrU x oWU W, lus m xjir,
eW oM eU zrU me M 10% x AkM mU xuqiu
lW UZi (zAi 10% x AkM M Uz)

19 oMa, ur u oq lMr e Ms m xji q -

ulrqM uqz M SrU x oWU W, M xqlr xOM q
qWiumh luz (10% M zAi Uz x AkM)

20 okM zkl AkMU (10% M zAi Uz -

x AkM

21 AxjD AiU M MUh Axjai MU Axir -

(10% M zAi Uz x AkM, xoki MU Sri M
lus)

22 15% M zAi Uz x AkM -

23 exq: ur lMr M xqlr xOM q -

qWiumh luz

24 exq: okM zkl AkMU -

25 exq: AxjD AiU M MUh Axjai MU Axir -

26 Ur uzw ulrqM xqrel 2,920.44

(26L+26o+26x+26Q)

26a exq: aU xqMi oq xWrM M CYuO me q luz 2,907.00 1,938.00 LT1

26b exq: aU xqMi aU ur xWrM M CYuO me q 13.44 8.96

LT2
luz

26c exq: AkMz ur lMr elM oM M xj

xqMi lW Mr ar W ElM CYuO me q luz

26d exq: aU mUzki mzl lk urr 0.00 0.00 Lc

mu-oxs III uruWU M Akl Uz M xok q xqlr -

CYuO xiU 1 M sr sa ulrqM xqrel

27 Amrmi AiU xiU 1 ij xiU 2 M bOu M muUi -

MUl M MUh xqlr CYuO xiU 1 M sr ulrqM
xqrel

28 xqlr CYuO xiU 1 M Ms ulrqM xqrel 3,518.98

29 xqlr CYuO xiU 1 me (xDO) 255,678.73

285
18 Investments in the capital of banking, nancial -
and insurance entities that are outside the scope
of regulatory consolidation, net of eligible short
positions, where the bank does not own more than
10% of the issued share capital (amount above 10%
threshold)
19 Signicant investments in the common stock of -
banking, nancial and insurance entities that are
outside the scope of regulatory consolidation, net
of eligible short positions (amount above 10%
threshold)
20 Mortgage servicing rights (amount above 10% -
threshold)
21 Deferred tax assets arising from temporary -
differences (amount above 10% threshold, net of
related tax liability)
22 Amount exceeding the 15% threshold -
23 of which: signicant investments in the common -
stock of nancial entities
24 of which: mortgage servicing rights -
25 of which: deferred tax assets arising from temporary -
differences
26 National specic regulatory adjustments 2,920.44
(26a+26b+26c+26d)
26a of which: Investments in the equity capital of the 2,907.00 1,938.00 f1
unconsolidated insurance subsidiaries
26b of which: Investments in the equity capital of 13.44 8.96 f2
unconsolidated non-nancial subsidiaries
26c of which: Shortfall in the equity capital of majority
owned nancial entities which have not been
consolidated with the bank
26d of which: Unamortised pension funds expenditures 0.00 0.00 h
Regulatory Adjustments Applied to Common Equity -
Tier 1 in respect of Amounts Subject to Pre-Basel III
Treatment
27 Regulatory adjustments applied to Common Equity -
Tier 1 due to insufcient Additional Tier 1 and Tier 2
to cover deductions
28 Total regulatory adjustments to Common equity 3,518.98
Tier 1
29 Common Equity Tier 1 capital (CET1) 255,678.73

286
AiU xiU 1 me: sZi

30 miri: eU AWMU AiU xiU 1 sZi + AiU 15,000.00

xoki xOM (31+32)

31 exq: sa sZMl qlM M Aiai CYuO M iUW 0.00

uaMi (oqrS aU xcr iUeW zrU)

32 exq: sa sZMl xiU M Aiai Sri M iUW uaMi 15,000.00

(oqrS Gh sZi)

33 AiU xiU 1 x WOL el M Akl miri: eU me 11,127.20 AD 1

sZi

34 xWrM U eU ij iir m U UZ aD (xqW LO 1 35.16 x 2

q Alqi Uz) AiU xiU 1 sZi (ij xDO 1 sZi
M m 5 q zqs lW Mr ar W)

35 exq: WOL el M Akl xWrM U eU sZi -

36 ulrqM xqrel M xq AiU xiU 1 me 26,162.36

AiU xiU 1 me : ulrqM xqrel

37 xur M AiU xiU 1 sZi q luz -

38 AiU xiU 1 sZi q mUxmUM mikUi 2,384.44 1,589.63 e

39 ulrqM uqz M SrU M oWU oMa, ur u oq 0.00

lMr M me q luz, m xji M lus eW oM
M mx lMr M eU xqlr zrU me M 10% x
AkM lW W (10% M zAi xq x AkM)

40 oMa, ur u oq lMr e Ms m xji q 0.00

ulrqM uqz M SrU x oWU W, M xqlr xOM q

qWiumh luz (Akur M xji M mi M lus)

287
Additional Tier 1 capital: instruments
30 Directly issued qualifying Additional Tier 1 15,000.00
instruments plus related stock surplus (31+32)

31 of which: classied as equity under applicable 0.00

accounting standards (Perpetual Non-Cumulative
Preference Shares)

32 of which: classied as liabilities under applicable 15,000.00

accounting standards (Perpetual debt Instruments)

33 Directly issued capital instruments subject to phase 11,127.20 i1

out from Additional Tier 1

34 Additional Tier 1 instruments (and CET1 instruments 35.16 c2

not included in row 5) issued by subsidiaries and
held by third parties (amount allowed in group AT1)

35 of which: instruments issued by subsidiaries subject -

to phase out

36 Additional Tier 1 capital before regulatory 26,162.36

adjustments

Additional Tier 1 capital: regulatory adjustments

37 Investments in own Additional Tier 1 instruments -

38 Reciprocal cross-holdings in Additional Tier 1 2,384.44 1,589.63 j

instruments

39 Investments in the capital of banking, nancial 0.00

and insurance entities that are outside the scope
of regulatory consolidation, net of eligible short
positions, where the bank does not own more than
10% of the issued common share capital of the
entity (amount above 10% threshold)

40 Signicant investments in the capital of banking, 0.00

nancial and insurance entities that are outside the
scope of regulatory consolidation (net of eligible
short positions)

288
 41 Ur uzw ulrqM xqrel (41L+41o) -

41a aU xqMi oq xWrM M AiU xiU 1 me q luz -

41b AkMz ur lMr elM oM M xj xqMi lW -

Mr ar W ElM AiU xiU 1 me q Mq

mu-oxs III uruWU M Akl Uz M xok q xqlr 973.48 LT3

CYuO xiU 1 M sr sa ulrqM xqrel

42 Amrmi AiU xiU 1 ij xiU 2 M bOu M muUi -

MUl M MUh xqlr CYuO xiU 1 M sr ulrqM
xqrel

43 xqlr CYuO xiU 1 M Ms ulrqM xqrel 3,357.92

44 AiU xiU 1 me (LO 1)) 22,804.44

44a me mrmi M sr xahi AiU xiU 1 me 22,804.44

45 xiU 1 me (O1=xDO1+LO1) (29+44L) 278,483.17

xiU 2 me: me sZi u mukl

46 miri: eU AWMU AiU xiU 1 sZi + AiU 25,000.00

M2
xoki xOM (31+32)

47 xiU 2 x WOL el M Akl miri: eU me sZi 15,277.53 M1

48 xWrM U eU ij iir m U UZ ar (xqW xiU 2 44.32

q Alqi Uz) xiU 2 sZi (ij m 5 r 34 q zqs x3
lW Mr ar xDO 1 ij LO 1 sZi)

49 exq: WOL el M Akl xWrM U eU sZi 0.00

50 mukl 48,854.32 Ls=Ls1+Ls2+Ls3+ Ls4

51 ulrqM xqrel M xq xiU 2 me 89,176.17

xiU 2 me :ulrqM xqrel

52 xur M xiU 2 sZi q luz 0.00

53 AiU xiU 2 sZi q mUxmUM mikUi 966.26 644.17 Lq

54 ulrqM uqz M SrU M oWU oMa, ur u oq 0.00

lMr M me q luz, m xji M lus eW oM
M mx lMr M eU xqlr zrU me M 10% x
AkM lW W (10% M zAi xq x AkM)

55 oMa, ur u oq lMr e Ms m xji q ulrqM 0.00

uqz M SrU x oWU W, M xqlr xOM q qWiumh
luz (Akur M xji M mi M lus)

289
 41 National specic regulatory adjustments (41a+41b) -
41a Investments in the Additional Tier 1 capital of -
unconsolidated insurance subsidiaries
41b Shortfall in the Additional Tier 1 capital of majority -
owned nancial entities which have not been
consolidated with the bank
Regulatory Adjustments Applied to Additional Tier 973.48 f3
1 in respect of Amounts Subject to Pre-Basel III
Treatment
42 Regulatory adjustments applied to Additional Tier 1 -
due to insufcient Tier 2 to cover deductions
43 Total regulatory adjustments to Additional Tier 1 3,357.92
capital
44 Additional Tier 1 capital (AT1) 22,804.44
44a Additional Tier 1 capital reckoned for capital 22,804.44
adequacy
45 Tier 1 capital (T1 = CET1 + AT1) (29 + 44a) 278,483.17
Tier 2 capital: instruments and provisions
46 Directly issued qualifying Tier 2 instruments plus 25,000.00 k2
related stock surplus
47 Directly issued capital instruments subject to phase 15,277.53 k1
out from Tier 2
48 Tier 2 instruments (and CET1 and AT1 instruments 44.32 c3
not included in rows 5 or 34) issued by subsidiaries
and held by third parties (amount allowed in group
Tier 2)
49 of which: instruments issued by subsidiaries subject 0.00
to phase out
50 Provisions 48,854.32 l=l1+l2+l3+l4
51 Tier 2 capital before regulatory adjustments 89,176.17
Tier 2 capital: regulatory adjustments
52 Investments in own Tier 2 instruments 0.00
53 Reciprocal cross-holdings in Tier 2 instruments 966.26 644.17 m
54 Investments in the capital of banking, nancial 0.00
and insurance entities that are outside the scope
of regulatory consolidation, net of eligible short
positions, where the bank does not own more than
10% of the issued common share capital of the
entity (amount above the 10% threshold)
55 Signicant investments in the capital of banking, 0.00
nancial and insurance entities that are outside the
scope of regulatory consolidation (net of eligible
short positions)

290
56 Ur uzw ulrqM xqrel (56L+56o) 0.00

56a exM: AxqMi xWrM Mmlr M OrU 2 me q 0.00

luz

56b exM: e oM M xj xqMi lW Mr ar W, El 0.00

oWqi M xuqiu us ur xxjA M OrU 2 me
q Mq

mu oxs III M EmcU M Akl Uzr M xok q OrU 973.48 LT4

2 M sL sa ulrqM xqrel

57 OrU 2 M sL Ms lrqM xqrel 1,939.74

58 me OrU 2 me (O 2) 87,236.43

58a me mrmii M sL xahi OrU 2 me 87,236.43

58b OrU 2 me M m q xahi AkMi q AiU OrU 0.00

1 me

58c me mrmii M sL xuMr Ms OrU 2 me (58L + 87,236.43

58o)

59 Ms me (Ox = O1 + O2) (45 + 58x) 365,719.60

mu oxs III M EmcU M Akl Uzr M xok q eZq

r Axir

60 Ms eZq pUi mUxm (60L + 60o + 60x) 3,433,910.56

60a exM: Ms Gh eZq pUi xm 3,009,005.88

60b exM: Ms oeU eZq pUi xm 238,204.25

60c exM M: Ms mUcsl eZq pUi xm 186,700.43

291
56 National specic regulatory adjustments (56a+56b) 0.00

56a of which: Investments in the Tier 2 capital of 0.00

unconsolidated subsidiaries

56b of which: Shortfall in the Tier 2 capital of majority 0.00

owned nancial entities which have not been
consolidated with the bank

Regulatory Adjustments Applied To Tier 2 in respect 973.48 f4

of Amounts Subject to Pre-Basel III Treatment

57 Total regulatory adjustments to Tier 2 1,939.74

58 Tier 2 capital (T2) 87,236.43

58a Tier 2 capital reckoned for capital adequacy 87,236.43

58b Excess Additional Tier 1 capital reckoned as Tier 2 0.00

capital

58c Total Tier 2 capital admissible for capital adequacy 87,236.43

(58a + 58b)

59 Total Capital (TC = T1 + T2) (45 + 58c) 365,719.60

Risk Weighted Assets in respect of Amounts subject

to Pre-Basel III Treatment

60 Total risk weighted assets (60a + 60b + 60c) 3,433,910.56

60a of which: total credit risk weighted assets 3,009,005.88

60b of which: total market risk weighted assets 238,204.25

60c of which: total operational risk weighted assets 186,700.43

292
me Almi
61 xqlr CYuO OrU 1 7.45%
(eZq pUi mUxmr M LM mizi M m q)
62 OrU 1 (eZq pUi mUxmr M LM mizi M m q) 8.11%
63 Ms me (eZq pUi mUxmr M LM mizi M 10.65%
m q)
64 xxj uz oTU AuzrMi (lrliq xDO 1 AuzrMi 5.50%
msx me xUh AU MEOUxYsMs oTU Auzr-
MiA, eZq pUi mUxmr M LM mizi M m
q ur)
65 exM: me xUh oTU AuzrMi 2.50%
66 exM: oM uz MEOUxYsMs oTU AuzrMi 0.00
67 exM: e-LxADo oTU AuzrMi 0.00
68 (eZq pUi mUxmr M LM mizi M m q) oTx 0.00
M mU MUl M sL Emsok xqlr CYuO OrU 1
Ur lrliq (oxs III x AaU p W i)
69 Ur xqlr CYuO OrU 1 lrliq Almi (oxs III 5.50%
lrliq x AaU p W i)
70 Ur OrU 1 lrliq Almi (AaU oxs III M lrliq x 7.00%
p W i)
71 Ur Ms me lrliq Almi (AaU oxs III M lrliq 9.00%
x p W i)
MOi M sL xq x lc M Uz (eZq pU x mWs)
72 Alr ur xxjA M me q aU qWiumh luz 18,139.60
73 ur xxjA M xqlr zrU q qWiumh luz 2,061.27
74 okM xuxa AkMU (xoki MU Sri M lus) 0.00
75 Axjr qipS x Eim Axjai MU xm 0.00
(xoki MU Sri M lus)
OrU 2 q mukl M xquzl mU sa FmU xq
76 qlMMi SMh (FmU xq M AuSl x mWs) M uwrM 24,527.99
LYxmeU M xok q OrU 2 q xquzl Wi m mukl
77 qlMMi SMh M iWi OrU 2 q mukl M xquzl 37,612.57
mU FmU xq
78 AiUM UOa AkUi SMh (FmU xq M AuSl x 0.00
mWs) M uwrM LYxmeU M xok q OrU 2 q xquzl
Wi m mukl
79 AiUM UOa AkUi SMh M iWi OrU 2 q mukl M 0.00
xquzl Wi FmU xq

293
Capital ratios
61 Common Equity Tier 1 (as a percentage of risk 7.45%
weighted assets)
62 Tier 1 (as a percentage of risk weighted assets) 8.11%
63 Total capital (as a percentage of risk weighted 10.65%
assets)
64 Institution specic buffer requirement (minimum 5.50%
CET1 requirement plus capital conservation and
countercyclical buffer requirements, expressed as a
percentage of risk weighted assets)
65 of which: capital conservation buffer requirement 2.50%
66 of which: bank specic countercyclical buffer 0.00
requirement
67 of which: G-SIB buffer requirement 0.00
68 Common Equity Tier 1 available to meet buffers (as 0.00
a percentage of risk weighted assets)
National minima (if different from Basel III)
69 National Common Equity Tier 1 minimum ratio (if 5.50%
different from Basel III minimum)
70 National Tier 1 minimum ratio (if different from 7.00%
Basel III minimum)
71 National total capital minimum ratio (if different 9.00%
from Basel III minimum)
Amounts below the thresholds for deduction (before risk weighting)
72 Non-signicant investments in the capital of other 18,139.60
nancial entities
73 Signicant investments in the common stock of 2,061.27
nancial entities
74 Mortgage servicing rights (net of related tax 0.00
liability)
75 Deferred tax assets arising from temporary 0.00
differences (net of related tax liability)
Applicable caps on the inclusion of provisions in Tier 2
76 Provisions eligible for inclusion in Tier 2 in respect of 24,527.99
exposures subject to standardised approach (prior
to application of cap)
77 Cap on inclusion of provisions in Tier 2 under 37,612.57
standardized approach
78 Provisions eligible for inclusion in Tier 2 in respect 0.00
of exposures subject to internal ratings-based
approach (prior to application of cap)
79 Cap for inclusion of provisions in Tier 2 under 0.00
internal ratings-based approach

294
xqmi ML el M uruxjA M Akl me sZi
(xT qc 31, 2017 AU qc 31, 2022 M oc sa)

80 xqmi ML el M uruxjA M Akl xDO 1 sZi sa lW

mU cs FmU xq

81 FmU xq M MUh xDO 1 x lMs aD Uz sa lW

(zkl AU
mUmYui M oS FmU xq x AkM)

82 xqmi ML el M uruxjA M Akl LO 1 sZi mU 11,127.20

cs FmU xq

83 FmU xq M MUh LO 1 x lMs aD Uz 4,768.80

(zkl AU mUmYui M oS FmU xq x AkM)

84 xqmi ML el M uruxjA M Akl O 2 sZi mU cs 15,277.53

FmU xq

85 FmU xq M MUh O 2 x lMs aD Uz 6,547.51

(zkl AU mUmYui M oS FmU xq x AkM)

Capital instruments subject to phase-out arrangements (only applicable

between March 31, 2017 and March 31, 2022)

80 Current cap on CET1 instruments subject to phase NA

out arrangements

81 Amount excluded from CET1 due to cap (excess NA

over cap after redemptions and maturities)

82 Current cap on AT1 instruments subject to phase 11,127.20

out arrangements

83 Amount excluded from AT1 due to cap (excess over 4,768.80

cap after redemptions and maturities)

84 Current cap on T2 instruments subject to phase out 15,277.53

arrangements

85 Amount excluded from T2 due to cap (excess over 6,547.51

cap after redemptions and maturities)

295
isM 12 :
(` qsrl q)
ur uuUh ulrqM xqMl
q isl m SrU M Aiai isl m
31 qc 2015 iM 31 qc 2015 iM
A me u SriL
i cMi me 4,751.97 4,751.97
AUi lk u AiU lk 320,165.11 315,493.77
Asmz ore 3,786.51 1,203.24
Ms me 328,703.59 321,448.98
ii eq 4,737,249.90 4,737,488.05
exq: oM x eq 292,078.70 292,078.71
exq: aWM eq 1,123,566.57 1,124,943.01
exq: xuk eq - Alr 3,321,604.63 3,320,466.33
iii EkU 257,628.21 257,628.21
exq: p.U.oM x 0.00 0.00
exq: oM x 117,700.03 117,700.03
exq: Alr xxjl u Lexr x 19,156.97 19,156.97
exq: aU mipiMi miSr olQ 120,771.21 120,771.21
iv Alr SriL u mukl 261,993.77 167,591.03
Ms 5,585,575.47 5,484,156.27

B Axir
i pUir Ueu oM M mx UZ ar lMS u zw 219,767.63 219,722.62
oM M xj UZ ar zw ij qa u Asm xcl mU miSr 266,707.97 266,621.62
Uz
ii luz 1,554,064.65 1,454,345.93
exq: xUMU mipir 1,281,059.15 1,255,786.48
exq: Alr AlqSi mipir 1,821.52 14.99
exq: zrU 64,847.71 17,226.07
exq: QocU u olQ 87,349.14 72,786.58
exq: xWrM/xr Eq/xWpa 8,614.99 6,730.07
exq: Alr (uherM Sxiue, qrcAs TQ, CirS) 110,372.14 101,801.74
iii Gh u Aaq 3,302,938.70 3,302,938.70
exq: oM M Gh u Aaq 24.97 24.97
exq: aWM M Gh u Aaq 3,302,913.73 3,302,913.73
iv lri Axir 69,699.89 69,539.82
exq: Aqi Axir 706.16 706.16
v Alr Axir 172,396.63 170,987.58
exq: Axjai MU Axir zlr zlr
vi xZ xqMl zlr zlr
vii sp u Wl Zi q lq zw zlr zlr
Ms Axi 5,585,575.47 5,484,156.27

296
TABLE DF 12: COMPOSITION OF CAPITAL RECONCILIATION REQUIREMENTS
Step 1 (`in Million)
Balance sheet as in Balance sheet under regulatory
Financial Statements scope of Consolidation
As at 31st March 2015 As at 31st March 2015
A Capital & Liabilities
i Paid-up Capital 4,751.97 4,751.97
Reserves & Surplus 320,165.11 315,493.77
Minority Interest 3,786.51 1,203.24
Total Capital 328,703.59 321,448.98
ii Deposits 4,737,249.90 4,737,488.05
of which: Deposits from banks 292,078.70 292,078.71
of which: Customer deposits 1,123,566.57 1,124,943.01
of which: Term Deposits Others 3,321,604.63 3,320,466.33
iii Borrowings 257,628.21 257,628.21
of which: From RBI 0.00 0.00
of which: From banks 117,700.03 117,700.03
of which: From other institutions & agencies 19,156.97 19,156.97
of which: Unsecured Redeemable Bonds 120,771.21 120,771.21
iv Other liabilities & provisions 261,993.77 167,591.03
Total 5,585,575.47 5,484,156.27
B Assets
i Cash and balances with Reserve Bank of India 219,767.63 219,722.62
Balance with banks and money at call and short notice 266,707.97 266,621.62
ii Investments: 1,554,064.65 1,454,345.93
of which: Government securities 1,281,059.15 1,255,786.48
of which: Other approved securities 1,821.52 14.99
of which: Shares 64,847.71 17,226.07
of which: Debentures & Bonds 87,349.14 72,786.58
of which: Subsidiaries / Joint Ventures / Associates 8,614.99 6,730.07
of which: Others (Commercial Papers, Mutual Funds etc.) 110,372.14 101,801.74
iii Loans and advances 3,302,938.70 3,302,938.70
of which: Loans and advances to banks 24.97 24.97
of which: Loans and advances to customers 3,302,913.73 3,302,913.73
iv Fixed assets 69,699.89 69,539.82
of which: Intangible Assets 706.16 706.16
v Other assets 172,396.63 170,987.58
of which: Deferred tax assets NIL NIL
vi Goodwill on consolidation NIL NIL
vii Debit balance in Prot & Loss account NIL NIL
Total Assets 5,585,575.47 5,484,156.27

297
 (` qsrl q)
xqMl M
ur uuUh q isl
ulrqM SrU M xSp xZr
m
Aiai isl m
(L) me u SriL 31 qc 2015 iM 31 qc 2015 iM
i cMi me 4,751.97 4,751.97
xDO 1 M sr m Uz 4,751.97 4,751.97 L1
exq: LO 1 M sr m Uz 0.00 0.00
AUi lk u AiU lk 320,165.11 315,493.77
exq:
- uklM AUi lk 80,326.10 80,326.10 o1
- zrU mqrq 34,001.38 32,751.38 L2
- me pQU 14,786.71 14,786.71 o2
- Uexu pQU 89,812.88 86,394.05 o3
- uzw pQU 40,000.00 40,000.00 o4
- uSz qS pQU 1,493.62 1,493.62
- mlqsrMi pQU 54,058.51 54,058.51 Ls3 (45%)
- luz AUi lk Zi 5,658.00 5,658.00 Ls2
- ucUj me pQU 27.91 25.40
- sp Wl Zi zw 0.00 0.00
Asmz ore 3,786.51 1,203.24
exq: xqlr CYuO OrU 1 M sL m 187.50 x1
exq: xqlr CYuO OrU 2 M sL m 35.16 x2
exq: OrU 2 M sL m 44.32 x3
Ms me 328,703.59 321,448.98
ii eq 4,737,249.90 4,737,488.05
exq: oM x eq 292,078.71 292,078.71
exq: aWM eq 1,123,566.57 1,124,943.01
exq: xuk eq - Alr 3,321,604.62 3,320,466.33
iii EkU 257,628.21 257,628.21
exq: p.U.oM x 0.00 0.00
exq: oM x 117,700.03 117,700.03
exq:Alr xxjl u Lexr x 19,156.97 19,156.97
exq: aU mipiMi miSr olQ 120,771.21 120,771.21
exq: m AiU OrU 1 sZi 11,127.20 11,127.20 AD1
exq: xqmi lW ML elus m AiU OrU 1 sZi 15,000.00 15,000.00 AD2
exq: m OrU II oQ 15,277.53 15,277.53 M1
exq: xqmi lW ML el us m OrU II oQ 25,000.00 25,000.00 M2

298
Step 2 (`in Million)
Balance sheet
Balance sheet
under regulatory
as in Financial Ref No.
scope of
Statements
Consolidation
A Capital & Liabilities As at 31st March, As at 31st March,
2015 2015
i Paid-up Capital 4,751.97 4,751.97
of which: Amount eligible for CET1 4,751.97 4,751.97 a1
of which: Amount eligible for AT1 0.00 0.00
Reserves & Surplus 320,165.11 315,493.77
of which:
- Statutory Reserve 80,326.10 80,326.10 b1
- Share Premium 34,001.38 32,751.38 a2
- Capital Reserve 14,786.71 14,786.71 b2
- Revenue Reserve 89,812.88 86,394.05 b3
- Special Reserve 40,000.00 40,000.00 b4
- Foreign Currency Translation Reserve 1,493.62 1,493.62
- Revaluation Reserve 54,058.51 54,058.51 l3 (45%)
- Investment Reserve Account 5,658.00 5,658.00 l2
- Capital Reserve on Consolidation 27.91 25.40
- Balance in Prot and Loss Account 0.00 0.00
Minority Interest 3,786.51 1,203.24
of which eligible for Common Equity Tier 1 187.50 c1
of which eligible for Additional Tier 1 35.16 c2
of which eligible for Tier 2 44.32 c3
Total Capital 328,703.59 321,448.98
ii Deposits 4,737,249.90 4,737,488.05
of which: Deposits from banks 292,078.71 292,078.71
of which: Customer deposits 1,123,566.57 1,124,943.01
of which: Term Deposits - Others 3,321,604.62 3,320,466.33

iii Borrowings 257,628.21 257,628.21

of which: From RBI 0.00 0.00
of which: From banks 117,700.03 117,700.03
of which: From other institutions & agencies 19,156.97 19,156.97
of which: Unsecured Redeemable Bonds 120,771.21 120,771.21
of which: Eligible AT 1 Instruments 11,127.20 11,127.20 i1
of which: Eligible AT 1 Instruments not subject to 15,000.00 15,000.00 i2
phased out
of which: Eligible Tier II Bonds 15,277.53 15,277.53 k1
of which: Eligible Tier II Bonds not subject to 25,000.00 25,000.00 k2
phased out

299
iv exq: xqmi lW ML el us m OrU II oQ 261,993.77 167,591.03
Alr SriL u mukl 0.00 0.00
exq: xZ x xoki QOLs 0.00 0.00
exq: Aqi Axir x xoki QOLs 18,726.99 18,726.99 Ls1
exq: qlM Axi mukl 143.00 143.00 Ls4
Ms 5,585,575.47 5,484,156.27
o Axi
i pUir Ueu oM M xj lMS u zw 219,767.63 219,722.62
oM M xj UZ aD Uz ij qa u Asm 266,707.97 266,621.62
xcl mU miSr
ii luz 1,554,064.65 1,454,345.93
exq: xUMU mipir 1,281,059.15 1,255,786.48
exq: Alr AlqSi mipir 1,821.52 14.99

exq: zrU 64,847.71 17,226.07

exq: xDO 1 me sZi q m umUi 291.41 291.41 D
mikUi
exq QocU u olQ 87,349.14 72,786.58
exq: LO 1 me sZi q m umUi 3,974.07 3,974.07 e
mikUi
exq: xiU 2 me sZi q m umUi 1,610.43 1,610.43 Lq
mikUi
exq: xWrM/ xr Eq/ xWpa 8,614.99 6,730.07
exq: Axqqsi oq xWrM M 4,845.00 4,845.00
CYuO me q luz e=
LT1+LT2+
exq: Axqqsi aU ur xWrM M 22.40 22.40 LT3+LT4
CYuO me q luz
exq : Alr (uherM Sxiue, qrcAs TQ, 110,372.14 101,801.74
CirS)
iii Gh u Aaq 3,302,938.70 3,302,938.70
exq : oM M Gh u Aaq 24.97 24.97
exq : aWM M Gh u Aaq 3,302,913.73 3,302,913.73
iv lri Axir 69,699.89 69,539.82
exq : Aqi Axir 706.16 706.16 Q
v Alr Axir 172,396.63 170,987.58
exq : xZ u Aqi Axir 0.00 0.00
exq : Axjai MU Axir 0.00 0.00
exq : AmUzki mzl u EmSl 0.00 0.00 Lc
vi exq: xZ xqMl 0.00 0.00
vii exq : sp u Wl Zi q lq zw 0.00 0.00
Ms Axi 5,585,575.47 5,484,156.27

300
iv Other liabilities & provisions 261,993.77 167,591.03
of which: DTLs related to goodwill 0.00 0.00
of which: DTLs related to intangible assets 0.00 0.00
of which: Standard Assets Provision 18,726.99 18,726.99 l1
of which: Country Risk Provision 143.00 143.00 l4
Total 5,585,575.47 5,484,156.27
B Assets
i Cash and balances with Reserve Bank of India 219,767.63 219,722.62
Balance with banks and money at call and short notice 266,707.97 266,621.62
ii Investments 1,554,064.65 1,454,345.93
of which: Government securities 1,281,059.15 1,255,786.48
of which: Other approved securities 1,821.52 14.99
of which: Shares 64,847.71 17,226.07
of which: Eligible Reciprocal Cross Holding in CET 1 291.41 291.41 e
Capital instruments
of which: Debentures & Bonds 87,349.14 72,786.58
of which: Eligible Reciprocal Cross Holding in AT1 3,974.07 3,974.07 j
capital instruments
of which: Eligible Reciprocal Cross Holding in Tier 2 1,610.43 1,610.43 m
capital instruments
of which: Subsidiaries / Joint Ventures / Associates 8,614.99 6,730.07
of which: Investments in the equity capital of the 4,845.00 4,845.00
unconsolidated insurance subsidiaries g=
of which: Investments in the equity capital of the 22.40 22.40 f1+f2+f3+f4
unconsolidated Non nancial subsidiaries
of which: Others (Commercial Papers, Mutual Funds 110,372.14 101,801.74
etc.)
iii Loans and advances 3,302,938.70 3,302,938.70
of which: Loans and advances to banks 24.97 24.97
of which: Loans and advances to customers 3,302,913.73 3,302,913.73
iv Fixed assets 69,699.89 69,539.82
of which: Eligible amount of Intangible assets 706.16 706.16 d
v Other assets 172,396.63 170,987.58
of which: Goodwill and intangible assets 0.00 0.00
of which: Deferred tax assets 0.00 0.00
of which: Unamortised Pension and Gratuity 0.00 0.00 h
vi of which: Goodwill on consolidation 0.00 0.00
vii of which: Debit balance in Prot & Loss account 0.00 0.00
Total Assets 5,585,575.47 5,484,156.27

301
cUh 3
oxs III xqlr mMOl OqmsO M xU (eQ ar Msq M xj) - xUh QLT-
LT-11
11
(pa I / pa II,
II, e p sa W)
xqlr CYuO OrU I me: sZi u Ueu
oM U UmO cUh 2 x xqMl M ulrqM
M ar ulrqM xMm M iWi osz zO M
me M bOM xlSp xZr / m mU AkUi
xi
1 AWMU xqlr zrU (AU aU-xr xOM Mml Wi xqisr) me 37,503.35 L1+L2
msx xoki xOM Akzw mir m x eU Mr ar
2 mikUi Emel 221,506.86 o1+o2+o3+o4
3 Alr urmM Ar xci Mr (AU Alr Ueu) -
4 xDO 1 x cUho MUl M uwrM mir m x me eU M -
(Mus aU-xr xOM Mml mU sa)
5 xWrM Mmlr U xqlr zrU me eU Mr AU iir m U 187.50 x 1
UZ ar (xqW xDO 1 q Uz M Alqi Mr ar)
6 ulrqM xqrel x mWs xqlr CYuO OrU 1 me 259,197.71
7 uuMmh qsrMl xqrel -
8 xlq (xoki MU Sriu M lus) -

Step 3

Extract of Basel III common disclosure template (with added column) Table DF-11 (Part I/ Part II whichever applicable)
Common Equity Tier 1 capital: instruments and reserves
Component of Source based on reference
regulatory capital number/ letters of the
reported by bank balance sheet under
the regulatory scope of
consolidation from step 2
1 Directly issued qualifying common share (and equivalent for 37,503.35 a1+a2
non-joint stock companies) capital plus related stock surplus
2 Retained Earnings 221,506.86 b1+b2+b3+b4
3 Accumulated other comprehensive income (and other reserves) -
4 Directly issed capital subject to phase out from CET 1 (only -
applicable to non-joint stock companies)
5 Common share capital issed by subsidiaries and held by third 187.50 c1
parties (amount allowed in group CET1)
6 Common Equity Tier 1 capital before regulatory adjustments 259,197.71
7 Prudential valuation adjustments -
8 Goodwill (net of related tax liability) -

302
isM QLT-13
LT-13:: lrqM me sZi M qZr uzwiL
1.. sZi: CYuO zrU

ulrqM me sZi M qZr uzwiA M mMOMUh

1 eUMi MlU oM
2 AlZ mWclMi (ESWUh xrLxADm, ADLxADLl r le ADLxADLl - ADLlD 476L01014
lr M sr osqoa mWclMi)
3 sZi M sr sa lrq oMa Mqml (Eq M Ael u WxiiUh)
Aklrq, 1970 ij MlU oM (zrU u oPM)
ulrq, 2000
ulrqM uruxj
4 mUuilr oxs III lrq xqlr CYuO OrU 1
5 mUuil-mi oxs III lrq xqlr CYuO OrU 1
6 LMs/ xqWM /xqWM u LMs mU m LMs u xqWM
7 sZi M mMU CYuO zrU
8 ulrqM me q xuMi Uz 4,751.97
(Ws M UmOa ij M AlxU,mr qsrl q)
9 sZi M xqqsr 4,751.97
(AMi qsr - 10 mr)
10 sZMl uaMUh CYuO zrU me
11 eU Wl M qs ij lql AlsalM q S aD up iUZ
12 oqrS r SlMi oqrS
13 qs mUmYui ij MD mUmYui lW
14 laUl mu AlqSl M Akl eUMi U umx sa lW
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml sa lW
18 Mml SU ij Alr xoki xcM sa lW
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri xmh uuMkMU
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr sa lW
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr,, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr sa lW
el W

303
DF 13: MAIN FEATURES OF REGULATORY CAPITAL INSTRUMENTS
1. INSTRUMENT: Equity Shares

Disclosure template for main features of regulatory capital instruments

1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for ISIN - INE476A01014
private placement)
3 Governing law(s) of the instrument Banking Companies (Acquisition and Transfer
of Undertakings) Act, 1970 and Canara Bank
(Shares and Meetings) Regulations, 2000
Regulatory treatment
4 Transitional Basel III rules Common Equity Tier 1
5 Post-transitional Basel III rules Common Equity Tier 1
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Equity Shares
8 Amount recognized in regulatory capital ( `in million, as of 4,751.97
most recent - reporting date)
9 Par value of instrument 4,751.97
(Face Value `10/- per share)
10 Accounting classication Equity Share Capital
11 Original date of issuance Various dates as given in the annexure below
12 Perpetual or dated Perpetual
13 Original maturity date No Maturity
14 Issuer call subject to prior supervisory approval Not Applicable
15 Optional call date, contingent call dates and redemption Not Applicable
amount
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Not Applicable
18 Coupon rate and any related index Not Applicable
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Fully Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Not Applicable
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable

304
 rS mUuilr, , exq mUuii Wl W Ex
29 sa lW
sZi M eUMi

30 AusZl uzwiL sa lW

31 rS AusZl, AusZl OaU lW

32 rS AusZl, xmh r AzM sa lW

33 rS AusZl, xjD r AxjD sa lW

rS AxjD AusZl, sZl

34 sa lW
mhs M uuUh

mUzkl q Aklxj mSlq

35 AkMiU Aklxj Su mUzkl q/
(sZi x iiMs uU sZi mMU M EssZ MU)

36 aU-Almsl mUuilr uzwiL lW

37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

Alok:

CYuO zrU M
q uw uuUh
xcr xZr

1 31.03.1999 pUi xUMU U kUi 300,000,000

2 14.12.2002 mUpM xuelM mxiu (ADmA) CYuO zrU M xjll 410,000,000

3 15.03.2011 AWimmi xxjai xjll 443,000,000

4 31.12.2013 pUi xUMU M Akql AoOl 461,258,837

5 31.03.2015 pUi xUMU M Akql AoOl 475,196,971

305
 28 If Convertible, specify instrument type convertible into
29 If Convertible, specify issuer of instrument it converts Not Applicable
into

30 Write-down feature No

31 If write-down, write-down triggers (s) Not Applicable

32 If write-down, full or partial Not Applicable

33 If write-down, permanent or temporary Not Applicable

34 If temporary write-down, description of write-up Not Applicable

mechanism

35 Position in subordination hierarchy in liquidation (specify Represents the most subordinated claim in
instrument type immediately senior to instrument) liquidation

36 Non-compliant transitioned features No

37 If yes, specify non-compliant features Not Applicable

Annexure:

Sl Cumulative number of
Year Particulars
No Equity Shares

1 31.03.1999 Held by Government of India 300,000,000

2 14.12.2002 Initial Public Offer (IPO) Placement of Equity Shares 410,000,000

3 15.03.2011 Qualied Institutional Placement (QIP) 443,000,000

4 31.12.2013 Preferential Allotment to Government of India 461,258,837

5 31.03.2015 Preferential Allotment to Government of India 475,196,971

306
2.. sZi: lulqw oqrS Gh sZi (ADmQAD) - xiU I (xUe I)

ulrqM me sZi M qZr uzwiA M mMOMUh

1 eUMi MlU oM
2 AlZ mWclMi ( ESWUh xrLxADm, ADLxADLl r le lr M sr
ADLlD476L09207
osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq, 1949
ulrqM uruxj
4 mUuilr oxs III lrq AiU xiU 1
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqWM
7 sZi M mMU oqrS Gh sZi
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 1,682.10
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh Sri
11 eU Wl M qs ij 30/03/2009
12 oqrS r SlMi oqrS
13 qs mUmYui ij MD mUmYui lW
14 laUl mu AlqSl M Akl eUMi U umx W
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz 30/03/2019
16 pUir Ueu oM M mu Alqi x eU
EUU umx ijr, AaU sa W i Wl M ij x 10 uw M oS umx M
uMsm W
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 9.00
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkMU
21 ukM r Alr miSr mixWl M Axiiu W
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr aU mUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS xjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, luzM
mUzkl q Aklxj mSlq M CYuO zrU q CYuO M Su x E
35
(sZi x iiMs uU sZi mMU M EssZ MU) Wa ij xp Alr slSU M Su M
Akl Wa|
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

307
2. INSTRUMENT: Innovative Perpetual Debt Instruments (IPDI) Tier I (Series I)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09207
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Additional Tier 1
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Perpetual Debt Instruments
Amount recognized in regulatory capital (Rs. in million, as of most recent reporting
8 1,682.10
date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 30/03/2009
12 Perpetual or dated Perpetual
13 Original maturity date No Maturity
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount 30/03/2019
The Bank has the call option after 10 years from
16 Subsequent call dates, if applicable the date of issue with the prior approval of
Reserve Bank of India
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 9.00
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem Yes
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
The claim of investors in these instruments
shall be superior to the claims of investors
Position in subordination hierarchy in liquidation
35 in the equity shares and subordinated to the
(specify instrument type immediately senior to instrument)
claims of all other creditors Issuance/Trading in
Dematerialized form.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

308
3.. sZi: lulqw oqrS Gh sZi (ADmQAD)- xiU I (xUe II)

ulrqM me sZi M qZr uzwiA M mMOMUh

1 eUMi MlU oM
2 AlZ mWclMi ( ESWUh xrLxADm, ADLxADLl r le lr M sr
ADLlD476L09215
osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq, 1949
ulrqM uruxj
4 mUuilr oxs III lrq AiU xiU 1
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqWM
7 sZi M mMU oqrS Gh sZi
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 4,200.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh Sri
11 eU Wl M qs ij 21/08/2009
12 oqrS r SlMi oqrS
13 qs mUmYui ij MD mUmYui lW
14 laUl mu AlqSl M Akl eUMi U umx W
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz 21/08/2019
16 pUir Ueu oM M mu Alqi x eU
EUU umx ijr, AaU sa W i Wl M ij x 10 uw M oS umx M
uMsm W
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 9.10
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkMU
21 ukM r Alr miSr mixWl M Axiiu W
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr aU mUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS xjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, luzM
mUzkl q Aklxj mSlq M CYuO zrU q CYuO M Su x E
35
(sZi x iiMs uU sZi mMU M EssZ MU) Wa ij xp Alr slSU M Su M
Akl Wa|
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

309
3. INSTRUMENT: Innovative Perpetual Debt Instruments (IPDI) Tier I (Series II)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09215
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Additional Tier 1
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Perpetual Debt Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent reporting 4,200.00
date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 21/08/2009
12 Perpetual or dated Perpetual
13 Original maturity date No Maturity
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount 21/08/2019
16 Subsequent call dates, if applicable The Bank has the call option after 10 years from
the date of issue with the prior approval of
Reserve Bank of India
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 9. 10
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem Yes
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type The claim of investors in these instruments
immediately senior to instrument) shall be superior to the claims of investors
in the equity shares and subordinated to the
claims of all other creditors Issuance/Trading in
Dematerialized form.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

310
4.. sZi: lulqw oqrS Gh sZi (ADmQAD)- xiU I (xUe III)

ulrqM me sZi M qZr uzwiA M mMOMUh

1 eUMi MlU oM
2 AlZ mWclMi ( ESWUh xrLxADm, ADLxADLl r le lr M sr
ADLlD476L09223
osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq, 1949
ulrqM uruxj
4 mUuilr oxs III lrq AiU xiU 1
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqWM
7 sZi M mMU oqrS Gh sZi
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 5,245.10
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh Sri
11 eU Wl M qs ij 03/08/2010
12 oqrS r SlMi oqrS
13 qs mUmYui ij MD mUmYui lW
14 laUl mu AlqSl M Akl eUMi U umx W
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz 03/08/2020
16 pUir Ueu oM M mu Alqi x eU
EUU umx ijr, AaU sa W i Wl M ij x 10 uw M oS umx M
uMsm W
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 9.05
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkMU
21 ukM r Alr miSr mixWl M Axiiu
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr aU mUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS xjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, luzM
mUzkl q Aklxj mSlq M CYuO zrU q CYuO M Su x E
35
(sZi x iiMs uU sZi mMU M EssZ MU) Wa ij xp Alr slSU M Su M
Akl Wa|
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

311
4. INSTRUMENT: Innovative Perpetual Debt Instruments (IPDI) Tier I (Series III)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09223
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Additional Tier 1
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Perpetual Debt Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent reporting 5,245.10
date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 03/08/2010
12 Perpetual or dated Perpetual
13 Original maturity date No Maturity
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount 03/08/2020
16 The Bank has the call option after 10 years from
Subsequent call dates, if applicable the date of issue with the prior approval of
Reserve Bank of India
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 9.05
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem Yes
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type The claim of investors in these instruments
immediately senior to instrument) shall be superior to the claims of investors
in the equity shares and subordinated to the
claims of all other creditors Issuance/Trading in
Dematerialized form.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

312
5.. sZi: oxs III Almsi AiU OrU I
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM
AlZ mWclMi (ESWUh xrLxADm, ADLxADLl r le lr M sr
2 ADLlD476L08035
osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq, 1949
ulrqM uruxj
4 mUuilr oxs III lrq AiU OrU 1
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqWM
7 sZi M mMU oqrS Me sZi
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 15,000.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh Sri
11 eU Wl M qs ij 05/03/2015
12 oqrS r SlMi oqrS
13 qs mUmYui ij MD mUmYui lW
14 laUl mu AlqSl M Akl eUMi U umx W
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz 05/03/2025
pUir Ueu oM M mu Alqi x eU
16 EUU umx ijr, AaU sa W i Wl M ij x 10 uw M oS umx M
uMsm W
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 9.55
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri xmh uuMkMU
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr aU mUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL W
31 rS AusZl, AusZl OaU oxs III mU p.U.o. SzlSz AlxU
32 rS AusZl, xmh r AzM oxs III mU p.U.o. SzlSz AlxU
33 rS AusZl, xjD r AxjD oxs III mU p.U.o. SzlSz AlxU
34 rS xjD AusZl, msZl mr M uuUh oxs III mU p.U.o. SzlSz AlxU
Cl sZi q luzM M Su CYuO
zrU u oqrS aU xcr Akql
zrU q luzM M Su x E
Wa | o) eqMiA M ah Su, xqlr
mUzkl q Aklxj mSlq
35 EkUSiA u oM M ah Gh ij
(sZi x iiMs uU sZi mMU M EssZ MU)
x) eUMi M aUO U xUi u MuU
lW W ij xoki CMD r Alr uruxj
e Su u EkUMi M miMs ukM r
AjM uUri uki MUi W |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

313
5. INSTRUMENT: Basel III Compliant Additional Tier I
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
Unique identi er (e.g. CUSIP, ISIN or Bloomberg identi er for private
2 placement) INE476A08035
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Additional Tier 1
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Perpetual Debt Instruments
Amount recognized in regulatory capital (Rs. in million, as of most recent
8 reporting date) 15,000.00
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 05/03/2015
12 Perpetual or dated Perpetual
13 Original maturity date No Maturity
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount 05/03/2025
The Bank has the call option after 10 years from
16 Subsequent call dates, if applicable the date of issue with the prior approval of
Reserve Bank of India
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 9.55
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Fully Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down triggers (s) As per RBI guidelines on Basel III
32 If write-down, full or partial As per RBI guidelines on Basel III
33 If write-down, permanent or temporary As per RBI guidelines on Basel III
34 If temporary write-down, description of write-up mechanism As per RBI guidelines on Basel III
The claim of investors in these instruments
shall be superior to the claims of investors in
equity shares and perpetual non-cumulative
preference shares; (b) subordinated to claims of
Position in subordination hierarchy in liquidation (specify instrument depositors, general creditors and subordinated
35
type immediately senior to instrument) debt of the bank; and (c) neither secured
nor covered by a guarantee of the Issuer nor
related entity or other arrangement that legal
or economically enhances the seniority of the
claim vis--vis creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

314
6.. sZi: FmU xiU olQ II (xUe I)

ulrqM me sZi M qZr uzwiA M mMOMUh

1 eUMi MlU oM
2 AlZ mWclMi ( ESWUh xrLxADm, ADLxADLl r le lr M sr
ADLlD476L09157
osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq, 1949
ulrqM uruxj
4 mUuilr oxs III lrq xiU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqWM
7 sZi M mMU FmU xiU 2 me sZi
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 700.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh Sri
11 eU Wl M qs ij 16/09/2006
12 oqrS r SlMi SlMi
13 qs mUmYui ij 16/09/2021
14 laUl mu AlqSl M Akl eUMi U umx W
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz 16/09/2016
16 pUir Ueu oM M mu Alqi x eU
EUU umx ijr, AaU sa W i Wl M ij x 10 uw M oS umx M
uMsm W
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 9.00
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkMU
21 ukM r Alr miSr mixWl M Axiiu W
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr aU mUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS xjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1 me
mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

315
6. INSTRUMENT: Upper Tier II Bonds (Series I)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09157
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Upper Tier 2 Capital Instruments
Amount recognized in regulatory capital (Rs. in million, as of most recent reporting
8 date) 700.00
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 16/09/2006
12 Perpetual or dated Dated
13 Original maturity date 16/09/2021
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount 16/09/2016
The Bank has the call option after 10 years from
16 Subsequent call dates, if applicable the date of issue with the prior approval of Reserve
Bank of India
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 9.00
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem Yes
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
The claims of the investors in these instruments
in subordination hierarchy in liquidation (specify instrument type shall rank superior to the claims of investors
35 Position in instruments eligible for inclusion in Tier 1
immediately senior to instrument) capital and subordinate to the claims of all other
creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

316
7.. sZi: FmU xiU II olQ (xUe II
II)

ulrqM me sZi M qZr uzwiA M mMOMUh

1 eUMi MlU oM
2 AlZ mWclMi ( ESWUh xrLxADm, ADLxADLl r le lr M sr
ADLxD476L09165
osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq, 1949
ulrqM uruxj
4 mUuilr oxs III lrq xiU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqWM
7 sZi M mMU FmU xiU 2 me sZi
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 700.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh Sri
11 eU Wl M qs ij 23/03/2007
12 oqrS r SlMi SlMi
13 qs mUmYui ij 23/03/2022
14 laUl mu AlqSl M Akl eUMi U umx W
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz 23/03/2017
16 pUir Ueu oM M mu Alqi x eU
EUU umx ijr, AaU sa W i Wl M ij x 10 uw M oS umx M
uMsm W
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 10.00
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkMU
21 ukM r Alr miSr mixWl M Axiiu W
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr aU mUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS xjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1 me
mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |

36 aU-Almsl mUuilr uzwiL lW

37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

317
7. INSTRUMENT: Upper Tier II Bonds (Series II)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private INE476A09165
placement)
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Upper Tier 2 Capital Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent 700.00
reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 23/03/2007
12 Perpetual or dated Dated
13 Original maturity date 23/03/2022
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount 23/03/2017
16 Subsequent call dates, if applicable The Bank has the call option after 10 years from the date of
issue with the prior approval of Reserve Bank of India
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 10.00
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem Yes
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the investors in these instruments shall rank
type immediately senior to instrument) superior to the claims of investors in instruments eligible for
inclusion in Tier 1 capital and subordinate to the claims of all
other creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

318
8.. sZi: FmU xiU II olQ (xUe III
III)

ulrqM me sZi M qZr uzwiA M mMOMUh

1 eUMi MlU oM
2 uz mWclMi ( ESWUh xrLxADm, ADLxADLl r le lr M sr
ADLxD476L09231
osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq, 1949
ulrqM uruxj
4 mUuilr oxs III lrq xiU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqWM
7 sZi M mMU FmU xiU 2 me sZi
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 7,000.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh Sri
11 eU Wl M qs ij 29/09/2010
12 oqrS r SlMi SlMi
13 qs mUmYui ij 29/09/2025
14 laUl mu AlqSl M Akl eUMi U umx W
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz 29/09/2020
16 pUir Ueu oM M mu Alqi x eU
EUU umx ijr, AaU sa W i Wl M ij x 10 uw M oS umx M
uMsm W
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 8.62
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkMU
21 ukM r Alr miSr mixWl M Axiiu W
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr aU mUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS xjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1 me
mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |

36 aU-Almsl mUuilr uzwiL lW

37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

319
8. INSTRUMENT: Upper Tier II Bonds (Series III)

Disclosure for main features of regulatory capital instruments

1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private INE476A09231
placement)
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Upper Tier 2 Capital Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most 7,000.00
recent reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 29/09/2010
12 Perpetual or dated Dated
13 Original maturity date 29/09/2025
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption 29/09/2020
amount
16 Subsequent call dates, if applicable The Bank has the call option after 10 years from the date of
issue with the prior approval of Reserve Bank of India
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 8.62
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem Yes
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the investors in these instruments shall rank
superior to the claims of investors in instruments eligible for
inclusion in Tier 1 capital and subordinate to the claims of all
type immediately senior to instrument) other creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

320
9.. sZi: AmU OrU II olQ (LT x olQx)
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM M sSl zZ M qkrq x
2 Air mWclMi (ESWUhxum. mCuO msxqO M sL xrLxADm,
ADLxADLl LYxLx0276148847
ADLxADLl r osqoa mWclMi)
3 sZi M sr sa lrq Aae Mll
ulrqM uruxj
4 mUuilr oxs III lrq OrU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqWM
7 sZi M mMU FmU xiU 2 me sZi
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 2,187.53
9 sZi M xqqsr USD 100
10 sZMl uaMUh EkU
11 eU Wl M qs ij 27/11/2006
12 oqrS r SlMi SlMi
13 qs mUmYui ij 28/11/2021
14 laUl mu AlqSl M Akl eUMi U umx W
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz 28/11/2016
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 6.3650 (rLx- OeU)
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri Alur
21 ukM r Alr miSr mixWl M Axiiu W
22 aU xcr r xcr aU xcr
23 mUuilr r aU mUuilr aU mUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS xjD AusZl, msZl mr M uuUh sa lW
mUzkl q Aklxj mSlq
35 CYuO x EmU r E
(sZi x iiMs uU sZi mMU M EssZ MU)
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

321
9. INSTRUMENT: Upper Tier II Bonds (FC Bonds)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK through its London Branch
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) ISIN XS0276148847
3 Governing law(s) of the instrument English Law
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Upper Tier II
8 Amount recognised in regulatory capital (Rs. in million, as of most recent 2,187.53
reporting date)
9 Par value of instrument USD 100
10 Accounting classication Borrowing
11 Original date of issuance 27/11/2006
12 Perpetual or dated Dated
13 Original maturity date 28/11/2021
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount 28/11/2016
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 6.3650 (US-Treasury)
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem Yes
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature No
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type Senior to Equity
immediately senior to instrument)
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

322
10.. sZi: lql xiUr II oQx (Zs VIII
10 VIII)
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM
2 Air mWclMi (ESWUhxum. mCuO msxqO M sL xrLxADm,
ADLlD476L09124
ADLxADLl r osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq 1949
ulrqM uruxj
4 mUuilr oxs III lrq OrU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqW
7 sZi M mMU OrU 2 Gh usZ
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 0.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh SriL
11 eU Wl M qs ij 29/09/2005
12 oqrS r SlMi SlMi
13 qs mUmYui ij 29/04/2015
14 laUl mu AlqSl M Akl eUMi U umx lW
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 7.40
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkl
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcD
23 mUuilr r aU mUuilr AmUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS AxjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1 me
mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

323
10. INSTRUMENT: Lower Tier II Bonds (Series VIII)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09124
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Tier 2 Debt Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent 0.00
reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 29/09/2005
12 Perpetual or dated Dated
13 Original maturity date 29/04/2015
14 Issuer call subject to prior supervisory approval No
15 Optional call date, contingent call dates and redemption amount Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 7.40
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type The claims of the investors in these
immediately senior to instrument) instruments shall rank superior to the claims
of investors in instruments eligible for
inclusion in Tier 1 capital and subordinate to
the claims of all other creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

324
11.. sZi: lql xiUr II oQx (Zs IX
11 IX)
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM
2 Air mWclMi (ESWUhxum. mCuO msxqO M sL xrLxADm,
ADLlD476L09132
ADLxADLl r osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq 1949
ulrqM uruxj
4 mUuilr oxs III lrq OrU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqW
7 sZi M mMU OrU 2 Gh usZ
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 0.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh SriL
11 eU Wl M qs ij 01/03/2006
12 oqrS r SlMi SlMi
13 qs mUmYui ij 01/05/2015
14 laUl mu AlqSl M Akl eUMi U umx lW
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 8.15
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkl
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcD
23 mUuilr r aU mUuilr AmUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS AxjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1
mUzkl q Aklxj mSlq me q xquzl Wi m sZi AU Alr
35
(sZi x iiMs uU sZi mMU M EssZ MU) xp slSU M Su M Aklxj x E
Wa |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

325
11. INSTRUMENT: Lower Tier II Bonds (Series IX)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09132
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Tier 2 Debt Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent 0.00
reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 01/03/2006
12 Perpetual or dated Dated
13 Original maturity date 01/05/2015
14 Issuer call subject to prior supervisory approval No
15 Optional call date, contingent call dates and redemption amount Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 8.15
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type The claims of the investors in these
immediately senior to instrument) instruments shall rank superior to the claims
of investors in instruments eligible for
inclusion in Tier 1 capital and subordinate to
the claims of all other creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

326
12.. sZi: lql xiUr II oQx (Zs IX L)
12
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM
2 Air mWclMi (ESWUhxum. mCuO msxqO M sL xrLxADm,
ADLlD476L09140
ADLxADLl r osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq 1949
ulrqM uruxj
4 mUuilr oxs III lrq OrU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqW
7 sZi M mMU OrU 2 Gh usZ
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 805.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh SriL
11 eU Wl M qs ij 15/09/2006
12 oqrS r SlMi SlMi
13 qs mUmYui ij 15/09/2016
14 laUl mu AlqSl M Akl eUMi U umx lW
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 8.85
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkl
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcD
23 mUuilr r aU mUuilr AmUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS AxjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1 me
mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

327
12. INSTRUMENT: Lower Tier II Bonds (Series IX A)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09140
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Tier 2 Debt Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent 805.00
reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 15/09/2006
12 Perpetual or dated Dated
13 Original maturity date 15/09/2016
14 Issuer call subject to prior supervisory approval No
15 Optional call date, contingent call dates and redemption amount Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 8.85
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type The claims of the investors in these
immediately senior to instrument) instruments shall rank superior to the claims
of investors in instruments eligible for
inclusion in Tier 1 capital and subordinate to
the claims of all other creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

328
13.. sZi: lql xiUr II oQx (Zs X)
13
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM
2 Air mWclMi (ESWUhxum. mCuO msxqO M sL xrLxADm,
ADLlD476L09173
ADLxADLl r osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq 1949
ulrqM uruxj
4 mUuilr oxs III lrq OrU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqW
7 sZi M mMU OrU 2 Gh usZ
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 560.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh SriL
11 eU Wl M qs ij 30/03/2007
12 oqrS r SlMi SlMi
13 qs mUmYui ij 30/03/2017
14 laUl mu AlqSl M Akl eUMi U umx lW
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 9.90
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkl
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcD
23 mUuilr r aU mUuilr AmUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS AxjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1
mUzkl q Aklxj mSlq me q xquzl Wi m sZi AU Alr
35
(sZi x iiMs uU sZi mMU M EssZ MU) xp slSU M Su M Aklxj x E
Wa |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

329
13. INSTRUMENT: Lower Tier II Bonds (Series X)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09173
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Tier 2 Debt Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent 560.00
reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 30/03/2007
12 Perpetual or dated Dated
13 Original maturity date 30/03/2017
14 Issuer call subject to prior supervisory approval No
15 Optional call date, contingent call dates and redemption amount Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 9.90
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type The claims of the investors in these
immediately senior to instrument) instruments shall rank superior to the claims
of investors in instruments eligible for
inclusion in Tier 1 capital and subordinate to
the claims of all other creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

330
14.. sZi: lql xiUr II oQx (Zs XI
14 XI)
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM
2 Air mWclMi (ESWUhxum. mCuO msxqO M sL xrLxADm,
ADLlD476L09181
ADLxADLl r osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq 1949
ulrqM uruxj
4 mUuilr oxs III lrq OrU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqW
7 sZi M mMU OrU 2 Gh usZ
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 1,960.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh SriL
11 eU Wl M qs ij 09/01/2008
12 oqrS r SlMi SlMi
13 qs mUmYui ij 09/01/2018
14 laUl mu AlqSl M Akl eUMi U umx lW
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 9.00
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkl
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcD
23 mUuilr r aU mUuilr AmUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS AxjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1 me
mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

331
14. INSTRUMENT: Lower Tier II Bonds (Series XI)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09181
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Tier 2 Debt Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent 1,960.00
reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 09/01/2008
12 Perpetual or dated Dated
13 Original maturity date 09/01/2018
14 Issuer call subject to prior supervisory approval No
15 Optional call date, contingent call dates and redemption amount Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 9.00
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type The claims of the investors in these
immediately senior to instrument) instruments shall rank superior to the claims
of investors in instruments eligible for
inclusion in Tier 1 capital and subordinate to
the claims of all other creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

332
15.. sZi: lql xiUr II oQx (Zs XII
15 XII)
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM
2 Air mWclMi (ESWUhxum. mCuO msxqO M sL xrLxADm,
ADLlD476L09199
ADLxADLl r osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq 1949
ulrqM uruxj
4 mUuilr oxs III lrq OrU 2
5 mUuil mi oxs III lrq Am
6 LMs/xqWM/xqWM u LMs mU m LMs u xqW
7 sZi M mMU OrU 2 Gh usZ
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 1,365.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh SriL
11 eU Wl M qs ij 16/01/2009
12 oqrS r SlMi SlMi
13 qs mUmYui ij 16/01/2019
14 laUl mu AlqSl M Akl eUMi U umx lW
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 8.08
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkl
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcD
23 mUuilr r aU mUuilr AmUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS AxjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1 me
mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

333
15. INSTRUMENT: Lower Tier II Bonds (Series XII)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private
2 INE476A09199
placement)
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Ineligible
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Tier 2 Debt Instruments
Amount recognized in regulatory capital (Rs. in million, as of most recent
8 1,365.00
reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 16/01/2009
12 Perpetual or dated Dated
13 Original maturity date 16/01/2019
14 Issuer call subject to prior supervisory approval No
15 Optional call date, contingent call dates and redemption amount Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 8.08
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
The claims of the investors in these
instruments shall rank superior to the claims
Position in subordination hierarchy in liquidation (specify instrument type
35 of investors in instruments eligible for
immediately senior to instrument) inclusion in Tier 1 capital and subordinate to
the claims of all other creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

334
16.. sZi: oxs III M Alm OrU II olQx (Zs I))
16
ulrqM me sZi M qZr uzwiA M mMOMUh
1 eUMi MlU oM
2 AlZ mWclMi ( ESWUh xrLxADm, ADLxADLl r le lr M sr
ADLlD476L09249
osqoa mWclMi)
3 sZi M sr sa lrq oMa ulrq Aklrq 1949
ulrqM uruxj
4 mUuilr oxs III lrq OrU 2
5 mUuil mi oxs III lrq OrU 2
6 LMs/xqWM/xqWM u LMs mU m LMs u xqW
7 sZi M mMU OrU 2 Gh usZ
8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 15,000.00
9 sZi M xqqsr 1,000,000.00
10 sZMl uaMUh SriL
11 eU Wl M qs ij 03/01/2014
12 oqrS r SlMi SlMi
13 qs mUmYui ij 03/01/2024
14 laUl mu AlqSl M Akl eUMi U umx lW
15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW
16 EUU umx ijr, AaU sa W i sa lW
Mml/spz
17 lri r AxjU spz/Mml lri
18 Mml SU ij Alr xoki xcM 9.73
19 spz UMlus M Axiiu lW
20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkl
21 ukM r Alr miSr mixWl M Axiiu lW
22 aU xcr r xcr aU xcD
23 mUuilr r aU mUuilr AmUuilr
24 rS mUuilr, mUuil OaU sa lW
25 rS mUuilr, xmh r AzM sa lW
26 rS mUuilr, mUuil SU sa lW
27 rS mUuilr, Alur r uMsmM mUuil sa lW
28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW
29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW
30 AusZl uzwiL sa lW
31 rS AusZl, AusZl OaU sa lW
32 rS AusZl, xmh r AzM sa lW
33 rS AusZl, xjD r AxjD sa lW
34 rS AxjD AusZl, msZl mr M uuUh sa lW
Cl sZi q luzM M Su, OrU 1 me
mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |
36 aU-Almsl mUuilr uzwiL lW
37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

335
16. INSTRUMENT: BASEL III Compliant Tier II Bonds (Series I)
Disclosure for main features of regulatory capital instruments
1 Issuer CANARA BANK
2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private placement) INE476A09249
3 Governing law(s) of the instrument The Banking Regulation Act, 1949
Regulatory treatment
4 Transitional Basel III rules Tier 2
5 Post-transitional Basel III rules Tier 2
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Tier 2 Debt Instruments
8 Amount recognized in regulatory capital (Rs. in million, as of most recent 15,000.00
reporting date)
9 Par value of instrument 1,000,000.00
10 Accounting classication Liability
11 Original date of issuance 03/01/2014
12 Perpetual or dated Dated
13 Original maturity date 03/01/2024
14 Issuer call subject to prior supervisory approval No
15 Optional call date, contingent call dates and redemption amount Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends
17 Fixed or oating dividend/coupon Fixed
18 Coupon rate and any related index 9.73
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Partially Discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non Cumulative
23 Convertible or non-convertible Non Convertible
24 If Convertible, conversion trigger (s) Not Applicable
25 If Convertible, fully or partially Not Applicable
26 If Convertible, conversion rate Not Applicable
27 If Convertible, mandatory or optional conversion Not Applicable
28 If Convertible, specify instrument type convertible into Not Applicable
29 If Convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Not Applicable
31 If write-down, write-down triggers (s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument type The claims of the investors in these
immediately senior to instrument) instruments shall rank superior to the claims
of investors in instruments eligible for
inclusion in Tier 1 capital and subordinate
to the claims of all depositors and general
creditors.
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

336
17.. sZi: oxs III M Alm OrU II olQx (Zs II
17 II))

ulrqM me sZi M qZr uzwiA M mMOMUh

1 eUMi MlU oM

2 AlZ mWclMi ( ESWUh xrLxADm, ADLxADLl r le lr M sr

ADLlD476L09256
osqoa mWclMi)

3 sZi M sr sa lrq oMa ulrq Aklrq 1949

ulrqM uruxj

4 mUuilr oxs III lrq OrU 2

5 mUuil mi oxs III lrq OrU 2

6 LMs/xqWM/xqWM u LMs mU m LMs u xqW

7 sZi M mMU OrU 2 Gh usZ

8 ulrqM me q xuMi Uz (Ws M UmOa ij M AlxU,mr qsrl q) 10,000.00

9 sZi M xqqsr 1,000,000.00

10 sZMl uaMUh SriL

11 eU Wl M qs ij 27/03/2014

12 oqrS r SlMi SlMi

13 qs mUmYui ij 27/03/2024

14 laUl mu AlqSl M Akl eUMi U umx lW

15 uMsmM umx ij, AMxqM umx ijr ij miSr Uz sa lW

16 EUU umx ijr, AaU sa W i sa lW

Mml/spz

17 lri r AxjU spz/Mml xjD

18 Mml SU ij Alr xoki xcM 9.70

19 spz UMlus M Axiiu lW

20 xmh uuMkMU,AzM uuMkMU r Aluri AzM uuMkl

21 ukM r Alr miSr mixWl M Axiiu lW

22 aU xcr r xcr aU xcD

337
17. INSTRUMENT: BASEL III Compliant Tier II Bonds (Series II)

Disclosure for main features of regulatory capital instruments

1 Issuer CANARA BANK

2 Unique identier (e.g. CUSIP, ISIN or Bloomberg identier for private INE476A09256
placement)
3 Governing law(s) of the instrument The Banking Regulation Act, 1949

Regulatory treatment

4 Transitional Basel III rules Tier 2

5 Post-transitional Basel III rules Tier 2

6 Eligible at solo/group/ group & solo Solo & Group

7 Instrument type Tier 2 Debt Instruments

8 Amount recognized in regulatory capital (Rs. in million, as of most 10,000.00

recent reporting date)
9 Par value of instrument 1,000,000.00

10 Accounting classication Liability

11 Original date of issuance 27/03/2014

12 Perpetual or dated Dated

13 Original maturity date 27/03/2024

14 Issuer call subject to prior supervisory approval No

15 Optional call date, contingent call dates and redemption Not Applicable
amount
16 Subsequent call dates, if applicable Not Applicable

Coupons / dividends

17 Fixed or oating dividend/coupon Fixed

18 Coupon rate and any related index 9.70

19 Existence of a dividend stopper No

20 Fully discretionary, partially discretionary or mandatory Partially Discretionary

21 Existence of step up or other incentive to redeem No

22 Noncumulative or cumulative Non Cumulative

338
 23 mUuilr r aU mUuilr AmUuilr

24 rS mUuilr, mUuil OaU sa lW

25 rS mUuilr, xmh r AzM sa lW

26 rS mUuilr, mUuil SU sa lW

27 rS mUuilr, Alur r uMsmM mUuil sa lW

28 rS mUuilr, sZi mMU M EssZ MU exq mUuil Mr el W sa lW

29 rS mUuilr, exq mUuii Wl W Ex sZi M eUMi sa lW

30 AusZl uzwiL sa lW

31 rS AusZl, AusZl OaU sa lW

32 rS AusZl, xmh r AzM sa lW

33 rS AusZl, xjD r AxjD sa lW

34 rS AxjD AusZl, msZl mr M uuUh sa lW

Cl sZi q luzM M Su, OrU 1 me

mUzkl q Aklxj mSlq
35 q xquzl Wi m sZi AU Alr xp
(sZi x iiMs uU sZi sZi mMU M EssZ MU)
slSU M Su M Aklxj x E Wa |

36 aU-Almsl mUuilr uzwiL lW

37 rS W, aU-Almsl uzwiA M EssZ MU sa lW

xUh Q LT-14
LT-14:: ulrqM me sZi M xmh lrq u zi
ulrqM me sZi M xmh lrq u zi M xqolk q mMOMUh lrqM mMOMUh kU' M iWi oM M uoxCO mU Asa x
S aD W| Cx kU M sL sM W: http://www.canarabank.com/English/Scripts/BaselIIDisclosures.aspx

xqlr elMU M m q lO MU:

eW p AuzrM WA, uW mNs uw M AMQ M ml:xqWi / mluruxji / mluaMi Mr ar W |

339
 23 Convertible or non-convertible Non Convertible

24 If Convertible, conversion trigger (s) Not Applicable

25 If Convertible, fully or partially Not Applicable

26 If Convertible, conversion rate Not Applicable

27 If Convertible, mandatory or optional conversion Not Applicable

28 If Convertible, specify instrument type convertible into Not Applicable

29 If Convertible, specify issuer of instrument it converts into Not Applicable

30 Write-down feature Not Applicable

31 If write-down, write-down triggers (s) Not Applicable

32 If write-down, full or partial Not Applicable

33 If write-down, permanent or temporary Not Applicable

34 If temporary write-down, description of write-up mechanism Not Applicable

35 Position in subordination hierarchy in liquidation (specify instrument The claims of the investors in these
type immediately senior to instrument) instruments shall rank superior to
the claims of investors in instruments
eligible for inclusion in Tier 1 capital
and subordinate to the claims of all
depositors and general creditors.
36 Non-compliant transitioned features No

37 If yes, specify non-compliant features Not Applicable

TABLE DF 14: Full Terms and Conditions of Regulatory Capital Instruments

Disclosures pertaining to full terms and conditions of regulatory Capital Instruments have been disclosed
separately on the Banks Website under Regulatory Disclosure Section. The link to this section is
http://www.canarabank.com/English/Scripts/BaselIIDisclosures.aspx

Note as general information:

Figures of the previous year have been regrouped/rearranged/reclassied wherever necessary.

340
 rr 31 qc 2015 M xqmi uw M lMS muW uuUh
CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2015
(` MUQ q/` in Crore)
uuUh / Particulars 31.03.2015 31.03.2014
mUcsl aiukr x lMS muW / CASH FLOW FROM OPERATING ACTIVITIES
MU M oS lus sp / NET PROFIT AFTER TAX 2702.63 2438.19
M sL xqrel / ADJUSTMENTS FOR:
MU M sL mukl / PROVISION FOR TAX 795.00 625.00
qsrx / DEPRECIATION 427.06 228.47
luz M mlqsrl mU Wl / LOSS ON REVALUATION OF INVESTMENTS 103.48 160.75
AleM Axir M sL ij Eci qsr q Mq M sL mukl /
PROVISION FOR DIMINUTION IN FAIR VALUE AND NPAs 3729.46 2128.72
qlM Axir M sL mukl / PROVISION FOR STANDARD ASSETS 153.73 478.41
OrU I u OrU II oQ mU ore / INTEREST ON TIER I AND TIER II BONDS 937.15 820.34
AMxqMiL u Alr M sL mukl / PROVISION FOR CONTINGENCIES AND OTHERS 227.40 433.46
Acs Axir M o mU sp / Wl / PROFIT / LOSS ON SALE OF FIXED ASSETS -1.36 -1.10
Alwar, xr Eq AS q luz x Ar /
INCOME FROM INVESTMENT IN SUBSIDIARIES, JVS, ETC. -81.16 -70.25
luz qsrx / (qsru) M sL mukl /
PROVISION FOR INVESTMENT DEPRECIATION/ (APPRECIATION) -657.85 692.42
Em Ms / SUB TOTAL 5632.91 5496.22
M sL xqrel / ADJUSTMENTS FOR:
luz q (u) / Mq / (INCREASE) / DECREASE IN INVESTMENTS -17833.48 -6518.92
Aaq q (u) / Mq / (INCREASE) / DECREASE IN ADVANCES -32722.55 -60897.19
EkU q u / (Mq) / INCREASE / (DECREASE) IN BORROWINGS -2360.21 4522.72
eqA q u / (Mq) / INCREASE / (DECREASE) IN DEPOSITS 53117.28 64866.83
Alr Axir q u / (Mq) / (INCREASE) / DECREASE IN OTHER ASSETS -2872.48 -250.89
Alr SriA u mukl q u / (Mq) /
INCREASE / (DECREASE) IN OTHER LIABILITIES AND PROVISIONS 482.99 1078.23
-2188.45 2800.79
bOr: mS Aaq MU / LESS: ADVANCE TAX PAID 1600.00 1200.00
mUcsl aiukr x xei lMS (M) /
CASH GENERATED FROM OPERATING ACTIVITIES (A) 4547.09 9535.20
luz aiukr x lMS muW / CASH FLOW FROM INVESTING ACTIVITIES
Alwar AU / r xr Eq q luz x Ar /
INCOME FROM INVESTMENT IN SUBSIDIARIES AND/OR JVS 81.16 70.25
Alwar, xr Eq AS q luz / INVESTMENT IN JVS, SUBSIDIARIES, ETC -130.07 -29.68
Acs Axir M o / ZUS x lkr M lus Aaql / oWaql /
NET INFLOW/ OUTFLOW FROM SALE/ PURCHASE OF FIXED ASSETS -825.99 -541.20
luz aiukr x xei lMS (Z) / CASH GENERATED FROM INVESTING ACTIVITIES (B) -874.90 -500.63
ur aiukr x lMS muW / CASH FLOW FROM FINANCING ACTIVITIES
lL xU x me M laq / FRESH ISSUE OF CAPITAL 13.94 18.26
zrU M laq x mmi mqrq / PREMIUM RECEIVED ON ISSUE OF SHARE 556.06 481.74
mS spz u Q Q O / DIVIDEND AND DDT PAID -293.80 -1024.77
OrU I u OrU II oQ mU ore M pail / PAYMENT OF INTEREST ON TIER I AND TIER II BONDS -937.15 -820.34

341
Aklxj Gh xWi lL oQ M laq /
FRESH ISSUE OF BONDS INCLUDING SUB-ORDINATED DEBTS 801.14 2424.55
ur aiukr x xei lMS (a) / CASH GENERATED FROM FINANCING ACTIVITIES (C) 140.19 1079.44
lMS AU lMS xqisr (M+Z+a) q lus u / (Mq) /
NET INCREASE/ (DECREASE) IN CASH AND CASH EQUIVALENTS (A+B+C) 3812.38 10114.01
Aj lMS u lMS xqisr / OPENING CASH AND CASH EQUIVALENTS 44828.71 34714.70
Ci lMS u lMS xqisr / CLOSING CASH AND CASH EQUIVALENTS 48641.09 44828.71
lO / Notes:
lMS u lMS xqisr q qeS lMS, pUir Ueu oM u Alr oM q zw AU qa AU Asm lOx mU kl / Cash and Cash
equivalents includes Cash on hand, Balance with RBI & Other Banks and Money at Call and Short Notice

lMS u lMS xqisr M bOM / Components of Cash & Cash Equivalents 31.03.2015 31.03.2014
pUir Ueu oM M xj lMS u zw / CASH & BALANCE WITH RBI 21971.95 22153.78
Asm xcl u qa mU u oM M xj zw / 26669.14 22674.93
BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE
Ms / TOTAL 48641.09 44828.71

Lq xuqljl u xMqU Ll xuzMUl Ll xsuUel WUSz MqU o

qQs mokM qQs mokM Em qW mokM qW mokM MrmsM lSzM
mql xW Uui Eq zMU e u qhqUl xls WYqcS McO qcUs xDUq pxMU
MrmsM lSzM (mok lSzM u qZr lSzM lSzM lSzM lSzM
MrMU AkMU - AiU mpU)
UelSU MqU ars xer el
lSzM lSzM

xqxZrM ij M WqU UmO M AlxU

Mi Mi Mi Mi Mi Mi
m cmQ LhQ M. L AU Sx LhQ LxxLOx Lx x uxSu LhQ M. ulr MqU LhQ M Uq Ue LhQ M u M lUel LhQ M
xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU

UMz el zrqs MqU lrM Azz Aaus ulr MqU Aaus M zu xoqhr mxS lUel u M
xfSU xfSU xfSU xfSU xfSU xfSU
oas
25 qD, 2015

M SWAMINATHAN V SUKUMAR N SIVASANKARAN N SELVARAJAN HARIDEESH KUMAR B

DIVISIONAL MANAGER DIVISIONAL MANAGER DEPUTY GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR
P S RAWAT UMA SHANKAR G V MANIMARAN SUNIL MOCHERLA SAIRAM
EXECUTIVE DIRECTOR DIRECTOR DIRECTOR HUKUMCHAND BHASKAR
(ADDITIONAL CHARGE OF MD & CEO) KOCHETA DIRECTOR
DIRECTOR

RAJINDER KUMAR GOEL SANJAY JAIN

DIRECTOR DIRECTOR
AS PER OUR REPORT OF EVEN DATE
For For For For For For
P CHOPRA & Co. A R DAS & ASSOCIATES S C VASUDEVA & Co. VINAY KUMAR & Co. RAM RAJ & Co. For V K NIRANJAN & Co.
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants

RAKESH JAIN SYAMAL KUMAR NAYAK ASHISH AGARWAL VINAY KUMAR K SIVA SUBRAMANYA NIRANJAN V K
Partner Partner Partner AGRAWAL PRASAD Partner
Partner Partner
Bengaluru
MAY 25,2015

342
 MlU oM M xqMi
isl m, sp u Wl sZ
ij lMS muW uuUh
2014-2015

CONSOLIDATED
BALANCE SHEET, PROFIT & LOSS ACCOUNT
AND CASH FLOW STATEMENT OF CANARA BANK

343
xqMi ur uuUh mU sZ mUM M xui UmO
xu q,
lSzM qQs MlU oM
ur uuUh mU UmO
1. Wql MlU oM (CxM mi Cx oM'' xSpi Mr eLa)
M xqMi ur uuUh M sZ-ec M W, exq
CxM Alwar, xWo xxjl u xr m x lri
lMr ( xoM xj q xqW'' xSpi Mr eLa) M
ur uuUh zqs W | xqMi ur uuUh q rj
qc 2015 M xqMi isl m, xqMi sp-Wl Zi,
Ex ij mU uwi M sL xqMi lMS muW uuUh ij
qWiumh sZMl lir M xUz AU Alr uuUhiqM
xclL ( CxM oS Cx xqMi ur uuUh'' xSpi
Mr eLa) zqs W | EmU EssZi xqMi ur
uuUh q lqlsZi xqqsi Mr ar W :
i. WqU U sZ-mUi MlU oM M ur uuUh |
ii. Alr sZ-mUM U xi (7) Alwar, il(3) xWo
xxjl ij LM (1) xr m x lri lMr M sZ-
mUi ur uuUh |
xqMi ur uuUh M sL mokl i M M EUSriu :
2. oM M mokl i pUir xlS sZMU xxjl U eU
sZMl qlM, e p sa W, xWi pUir Ueu oM
M SzlSz M AlxU Cl ur uuUh M irU MUl
M sL EUSr W, exx xqW M xqMi ur xji,
xqMi ur MrlwmSl, u xqMi lMS muW M xW u
xir fsM mxii M e xM | Cx EUSriu q kZkQ
r O M MUh, uximUM AmMjl x q ur uuUh
M irU MUl M sL xo AiUM lrh, m-UZ AU
Mrlurl p xqWi Wi W, xqW q zqs lMr M
xoki mokl M Cx eqqSU q oM M Axir M
xU ij kZkQ UMl u luUh M sL mrmi sZMl
ApsZ M UZUZu, Eci sZMl li M crl u sa
Mr el, uuMmh Txs u Alql, u AiUM ur
lrh M mMl, Mrurl u UZUZu. zqs W e
sZMl ApsZ M mhi u xOMi xli MUi W ij
ur uuUhr M irU x xoki eZq mokl mhs
INDEPENDENT AUDITORS REPORT ON THE
CONSOLIDATED FINANCIAL STATEMENTS
To
The Board of Directors
Canara Bank
Report on the Financial Statements
1. We have audited the accompanying consolidated
financial statements of Canara Bank (hereina er referred
to as the Bank), in which are incorporated the financial
statements of its subsidiaries, associates, and jointly
controlled en ty (together referred to as the Group).
The consolidated financial statements comprise of the
Consolidated Balance Sheet as at 31st March 2015, the
Consolidated Profit & Loss Account, the Consolidated
Cash Flow Statement for the Year ended on that date
annexed thereto, and a summary of the significant
accoun ng policies and other explanatory informa on
(hereina er referred to as the Consolidated Financial
Statements). In the Consolidated Financial Statements
referred to hereinabove are incorporated:
i) Audited financial statements of Canara Bank audited by
us.
ii) Audited financial statements of Seven (7) Subsidiaries,
Three (3) Associates and One (1) Jointly Controlled En ty
audited by other auditors.
Managements Responsibility for the Consolidated Financial
Statements
2. The Banks management is responsible for the
prepara on of these consolidated financial statements
that give a true and fair view of the consolidated
financial posi on, consolidated financial performance
and consolidated cash flows of the Group in accordance
with the accoun ng principles generally accepted in
India, including the Accoun ng Standards issued by
the Ins tute of Chartered Accountants of India (ICAI),
as applicable, and the guidelines issued by the Reserve
Bank of India. The respec ve management of the en es
included in the Group are responsible for maintaining
adequate accoun ng records in accordance with the
provisions of applicable laws for safeguarding the assets
of the Group and for preven ng and detec ng frauds
and other irregulari es; the selec on and applica on
of appropriate accoun ng policies; making judgments
and es mates that are prudent; and the design,
implementa on and maintenance of adequate internal
financial controls, that were opera ng eec vely
for ensuring the accuracy and completeness of the
344
 e xir u lwm fsM mxii MUi W ij kZkQ r
Sw eli Azr UWi W, e EmU uhi M AlxU oM
mokl U ur uuUh irU MUl M sL mra q sr
ar W |
sZ mUM M EUSriu :
3. oM M sZ M sZ-ec M AkU mU Cl xqMi ur
uuUh mU ucU ur MUl WqU Sriu W | sZ mU
Arei MUi xqr Wql sa sZMl qlM ij pUir
xlS sZMU xxjl U eU sZMl qlM M krl q
UZ W |
Wql pUir xlS sZMU xxjl U lai sZ mU
qlM M AlxU sZ mU Arei M | r qlM rW
Am MUi W M Wq liM AmA M Almsl MUi
WL, relo iUM x sZ mU Arei MU iM u
uuUh M mUmr q xai Axl mmi W xM M u
uximUM AmMjl q W |
4. sZ mU q ur uuUh q Uzr AU mMOl M oU
q sZ mU xr mmi MUl M mr Amlr el Wi
W | xqMi ur uuUh q kZkQ r O M MUh
uximUM AmMjl eZq M qsrMl xWi mrA M
clu sZ mUM M lrr-lhr mU lpU MUi W | Cl
eZq M qsrMl MUl q, sZ mUM, oM M xqMi
ur uuUh M irU u mxiiMUh M sL mxaM
AiUM ur lrh mU mUxjir M Alm sZ mU
M mr M m-UZ irU MUl Wi ucU MUi W l M
oM M AiUM ur lrh M mpuimSMi mU Ur ur
MUl M Ezr x | sZ mU q, mr sZ lir M
xqcii u oM M mokl i U Mr ar sZ Alql
M Acir M xj-xj xqMi ur uuUh M xqa
mxiiMUh M qsrMl Mr el p zqs Wi W |
Wq qli W M Wql sZ mU mU Aml ucU ur MUl
M sL lqlui mxii Alr qqs' AlcNS q xSpi ElM
UmO M xok q e xr LMi Mr W uW mrmi AU
xqci W ij xqMi ur uuUh mU WqU sZ-mU
ucU M sL AkU mSl MUi W |
5. Wq UmO MUi W M oM M mokl i U irU xqMi
ur uuUh, pUir xlS sZMU xxjl U eU
sZMl qlM (LLx)-21- xqMi ur uuUh'',
accoun ng records, relevant to the prepara on and
presenta on of the financial statements that give a true
and fair view and are free from material misstatement,
whether due to fraud or error, which have been used
for the purpose of prepara on of the Consolidated
Financial Statements by the management of the Bank,
as aforesaid.
Auditors Responsibility
3. Our responsibility is to express an opinion on these
Consolidated Financial Statements based on our audit
of the accounts of the Bank. While conduc ng the audit
we have taken into account the applicable accoun ng
standards and the standards of audi ng issued by the
Ins tute of Chartered Accountants of India.
We conducted our audit in accordance with the
Standards on Audi ng issued by the Ins tute of
Chartered Accountants of India. Those Standards require
that we comply with ethical requirements and plan and
perform the audit to obtain reasonable assurance about
whether the financial statements are free from material
misstatement.
4. An audit involves performing procedures to obtain
audit evidence about the amounts and disclosures
in the financial statements. The procedures selected
depend upon the auditors judgment, including the
assessment of the risks of material misstatement of the
consolidated financial statements whether due to fraud
or error. In making those risk assessments, the auditors
consider internal financial control relevant to the Banks
prepara on and presenta on of the consolidated
financial statements that gives a true and fair view in
order to design audit procedures that are appropriate in
the circumstances, but not for the purpose of expressing
an opinion on the eec veness on the Banks internal
financial controls. An audit also includes evalua ng the
appropriateness of accoun ng policies used and the
reasonableness of the accoun ng es mates made by
the Banks management, as well as evalua ng the overall
presenta on of the consolidated financial statements.
We believe that the audit evidence obtained by us and
the audit evidence obtained by other auditors in terms of
their reports referred to in the Other Ma ers paragraph
below, is sucient and appropriate to provide a basis
for our audit opinion on the consolidated financial
statements.
5. We report that the consolidated financial statements
have been prepared by the management of the Bank
in accordance with the requirement of the accoun ng
345
 sZMl qlM (LLx)-23 xqMi ur uuUh q xWo
xxjA q luz M sL sZMl'' ij sZMl qlM
(LLx) 27-xr Eq q ore M ur UmOa'' M
AmA M Alm W |
Alr qqs
6. Wql xi (7) Alwar (elM ur uuUh uwi M
sL rj 31 qc 2015 M `11562.21 MUQ M Ms
Axi, `395.52 MUQ M Ms Uexu ij `41.29 MUQ
M lus lMS muW Szi W) , il (3) xWo xxjA (
elM ur uuUh uwi M sL rj 31 qc 2015 M
`35993.47 MUQ M Ms Axi, `3373.82 MUQ M Ms
Uexu ij `1035.03 MUQ M lus lMS muW Szi W)
ij LM (1) xr m x lri lMr ( exM ur
uuUh uwi M sL rj 31 qc 2015 M `571.53 MUQ
M Ms Axi, `45.55 MUQ M Ms Uexu ij `20.50
MUQ M lus lMS muW Szi W) M ur uuUh M
sZ mU lW M W | Wq oM M mokl i U Alr
sZ mUM U sZ mU M aD Cl ur uuUhr
AU Alr ur xclA M UmO mxii M aD W ij
eW iM EmU Mji Alwar, xWo xxjl u xr
m x lri lMr x xoki xqMi ur uuUh mU
WqU ucU M oi W i rW Alr sZ mUM M UmO
mU mhmh lpU W |
krl Sl rar oi
7. Alxc 19: Wq lqlsZi M xok q xqMi ur
uuUh M sZ mU Ommhr M AU krl AM MUi W:
i. lO 16, e pUir Ueu oM M m SlMi 27 el 2014
U Alqi M AlxU Uexu AUi lk x LMoUa
Emr M iU mU miri: mNs Auk LTADOLs M sZ
mU uuk SriL (ore meMUh) eq MUi xqr uuUh
mSl MUi W |
ii. lO 17 (L), (o) e pUir Ueu oM M mUm SlMi 9
TUuU 2011 U Alqi M AlxU mzl u EmSl SriA
M mUzkl M xok q uw M SUl mWcl u xqrel M
uuUh mSl MUi W |
iii. lO 20, e pUir Ueu oM M m SlMi 15 qD
2015 U Alqi M AlxU Mimr AleM us Aaq M
sL `801.07 MUQ M pMsM mukl M uuUh mSl
MUi W |
Standard (AS) 21-Consolidated Financial Statements,
Accoun ng Standard (AS) 23-Accoun ng for Investments
in Associates in Consolidated Financial Statements
and Accoun ng Standard (AS) 27 Financial Repor ng
of Interest in Joint Ventures issued by the Ins tute of
Chartered Accountants of India.
Other Matters
6. We did not audit the financial statements of Seven (7)
subsidiaries (whose financial statements reflect total
assets of Rs.11562.21 Crore as at 31st March 2015,
total revenues of Rs.395.52 Crore and net cash flows
of Rs.41.29 Crore for the year then ended), Three (3)
Associates (whose financial statements reflect total
assets of Rs.35993.47 Crore as at 31st March 2015,
total revenues of Rs.3373.82 Crore and net cash flows
of Rs.1035.03 Crore for the year then ended) and One
(1) Jointly Controlled En ty (whose financial statements
reflect total assets of Rs.571.53 Crore as at 31st March
2015, total revenues of Rs.45.55 Crore and net cash
flows of Rs.20.50 Crore for the year then ended). These
financial statements and other financial informa on
have been audited by other auditors whose reports have
been furnished to us by the Banks management, and our
opinion on the Consolidated Financial Statements, in so
far as it relates to the aforesaid subsidiaries, associates
and jointly controlled en ty, is based solely on the report
of the other auditors.
Our opinion on the Consolidated Financial Statements,
and our report on Other Legal and Regulatory
Requirements below, is not modified in respect of the
above ma ers with respect to our reliance on the work
done and the reports of the other auditors.
Emphasis of Matter
7. We draw a en on to Schedule 19: Notes on Accounts of
the Consolidated Financial Statements, regarding:
i) Note 16, which provide details of credi ng Sundry
Liability (Interest Capitaliza on) on account of past
period FITL directly from the Revenue Reserve as a one
me measure, as permi ed by Reserve Bank of India
vide their le er dated June 27, 2014.
ii) Note 17 (a),(b), which provide details of iden fica on
and adjustment during the year regarding amor za on
of pension and gratuity liability as permi ed by Reserve
Bank of India vide their circular dated February 9, 2011.
iii) Note 20, which provide details of staggering of provision
of Rs.801.07 crore for certain non-performing advances
as permi ed by Reserve Bank of India vide their le er
dated May 15, 2015.
346
iv. lO 18, e ` 7.54 MUQ M MqcU sp M sb mukl iv) Note 18, which provide details of short provision of
M uuUh mSl MUi W | Employee Benefits of Rs. 7.54 crore.
v) Note 19, which provide details of short provision of
v. lO 19, e `28.15 MUQ M mr xqfi M sb
Bipar te Se lement of Rs. 28.15 crore.
mukl M uuUh mSl MUi W |
Our opinion is not modified in respect of this ma er.
Cx qqs M xok q WqU ucU xzki lW W |
Opinion
ucU 8. In our opinion and to the best of our informa on and
8. WqU ucU q u WqU xuq elMU ij Wq mS according to the explana ons given to us:
xmMUh M AlxU : i) the Consolidated Balance Sheet, read with the
accoun ng policies and notes thereon is a full and fair
i. sZ lir AU El mU M aD Ommhr M xj mPi
Balance Sheet containing all the necessary par culars,
xqMi isl m, xp AuzrM uuUh xWi xmh AU is properly drawn up so as to exhibit a true and fair
xai isl m W ex xW iUM x irU Mr ar W iM view of state of aairs of the Group as at 31st March
rj 31 qc 2015 M xqW M xW AU lwm Mr uruWU 2015 in conformity with accoun ng principles generally
M pUi q xqlrir xuMr sZ-xi M AlxU accepted in India;
Szr e xM; ii) the Consolidated Profit and Loss Account, read with
the notes thereon shows a true balance of Profit of
ii. sZ lir AU El mU M aD Ommhr M xj mPi sp
the Group, in conformity with accoun ng principles
Wl sZ, Exq muUi uw M sL xqW M sp M xW generally accepted in India, for the year covered by the
xisl pUi q xqlrir xuMr sZ-xi M AlxU account; and
Szi W; ij iii) the Consolidated Cash Flow Statement gives a true and
iii. xqMi lMS muW uuUh U Ex iUZ M xqmi uw M fair view of the cash flows of the Group for the year
sL lMS muW M xW AU lwm ch Mr ar W | ended on that date.
Report on Other Legal and Regulatory Requirements
Alr ukM u ulrqM AmA mU UmO
9. i) The Balance Sheet and the Profit and Loss Account have
9. i. isl m AU sp-Wl sZ M oMa ulrq been drawn up in Form A and B respec vely of the
Aklrq, 1949 M ixU Alxc M mm qz: 'M' Third Schedule to the Banking Regula on Act, 1949.
u 'Z' q irU Mr ar W | ii) In our opinion, the Consolidated Balance Sheet,
ii. WqU ucU q, xqW M xqMi isl m, xqMi sp- Consolidated Profit and Loss Account and Consolidated
Wl sZ AU xqMi lMS muW uuUh mcsi Cash Flow Statement of the Group comply with the
applicable Accoun ng Standards.
sZMl qlM M Almsl MUi W |
Mi m cmQ LhQ Mi L AU Sx LhQ Mi Lx x uxSu LhQ For P. Chopra & Co. For A.R. Das & Associates For S. C. Vasudeva & Co.
Mml LxxLOx Mml Chartered Accountants Chartered Accountants Chartered Accountants
xlS sZMU xlS sZMU xlS sZMU FRN : 004957N FRN : 306109E FRN : 000235N
Tq meMUh xZr : Tq meMUh xZr : Tq meMUh xZr :
004957Ll 306109D 000235Ll (Rakesh Jain) (Piyali Basu) (Ashish Agarwal)
Partner Partner Partner
(UMz el) ( mrs ox) (Azw Aaus)
Membership No. Membership Membership
xfSU xfSU xfSU
087925 No.054704 No.093790
xSxri xZr : xSxri xZr :054704 xSxri xZr : For Vinay Kumar & Co. For Ram Raj & Co. For V K Niranjan & Co.
087925 093790 Chartered Accountants Chartered Accountants Chartered Accountants
Mi ulr MqU LhQ M Mi Uq Ue LQ M Mi u M lUel LQ M FRN : 000719C FRN : 002839S FRN : 002468S
xlS sZMU xlS sZMU xlS sZMU
Tq meMUh xZr : Tq meMUh xZr : Tq meMUh xZr : (Vinay Kumar Agrawal) (K Siva Subramanya Prasad) (Niranjan V K)
000719x 002839Lx 002468Lx Partner Partner Partner
(ulr MqU Aaus) (M xu xoqhr mxS) ( lUel u M) Membership Membership Membership
xfSU xfSU xfSU No.013795 No.024456 No.021432
xSxri xZr : xSxri xZr : xSxri xZr :
013795 024456 021432
xjl : oas Place: Bengaluru
SlM: 25 qD 2015 Date: 25th May, 2015

347
 rj 31 qc, 2015 M xqMi isl m
CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2015
Alxc rj 31.03.2015 M rj 31.03.2014 M
Schedule As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
me AU SriL / CAPITAL AND LIABILITIES
me / CAPITAL 1 475 19 70 461 25 88
AUi lkr AU Akzw / RESERVES AND SURPLUS 2 32016 51 10 29715 00 30
AsmxZrM Wi / MINORITY INTEREST 2A 378 65 11 313 55 42
eq / DEPOSITS 3 473724 98 98 420603 67 99
EkU / BORROWINGS 4 25762 82 06 27309 72 44
Alr SriL ij mukl /OTHER LIABILITIES AND PROVISIONS 5 26199 37 74 22686 36 90
eQ / TOTAL 558557 54 69 501089 58 93

Axir / ASSETS
pUir Ueu oM q lMS AU zw
CASH & BALANCES WITH RESERVE BANK OF INDIA 6 21976 76 34 22161 02 91
oM q zw AU qa u Asm xcl mU miSr Uz
BALANCES WITH BANKS AND MONEY AT CALL
AND SHORT NOTICE 7 26670 79 73 22710 55 07
luz / INVESTMENTS 8 155406 46 45 135445 35 48
Aaq / ADVANCES 9 330293 86 96 301326 01 63
xjU Axir / FIXED ASSETS 10 6969 98 89 6661 97 62
Alr Axir / OTHER ASSETS 11 17239 66 32 12784 66 22
eQ / TOTAL 558557 54 69 501089 58 93

AMxqM SriL / CONTINGENT LIABILITIES 12 275666 83 26 223360 25 36

uxs M sL os / BILLS FOR COLLECTION 21903 47 31 16268 91 63
qWiumh sZMl lir / SIGNIFICANT ACCOUNTING POLICIES 18
sZ xok Ommhr / NOTES ON ACCOUNTS 19
Lq xuqljl u xMqU Ll xuzMUl Ll xsuUel WUSz MqU o
qQs mokM qQs mokM Em qW mokM qW mokM MrmsM lSzM
mql xW Uui Eq zMU e u qhqUl xls WYqcS McO qcUs xDUq pxMU
MrmsM lSzM (mok lSzM u qZr lSzM lSzM lSzM lSzM
MrMU AkMU - AiU mpU)
UelSU MqU ars xer el
lSzM lSzM

xqxZrM ij M WqU UmO M AlxU

Mi Mi Mi Mi Mi Mi
m cmQ LhQ M. L AU Sx LhQ LxxLOx Lx x uxSu LhQ M. ulr MqU LhQ M Uq Ue LhQ M u M lUel LhQ M
xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU

UMz el mrs ox Azz Aaus ulr MqU Aaus M zu xoqhr mxS lUel u M
xfSU xfSU xfSU xfSU xfSU xfSU
oas
25 qD, 2015

348
 rj 31 qc, 2015 M xqmi uw M sL xqMi sp u Wl Zi
CONSOLIDATED PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2015
Alxc rj 31.03.2015 M rj 31.03.2014 M
Schedule xqmi uw xqmi uw
For the Year ended For the Year ended
31.03.2015 31.03.2014
(` 000) (` 000)
I. Ar / I. INCOME
Aei ore / INTEREST EARNED 13 43813 37 23 39570 16 50
Alr Ar / OTHER INCOME 14 4733 44 70 4143 67 68
eQ / TOTAL 48546 81 93 43713 84 18
II. urr / II. EXPENDITURE
urr Mr ar ore / INTEREST EXPENDED 15 34133 12 36 30605 53 39
mUcsl urr / OPERATING EXPENSES 16 7266 02 70 6116 25 13
mukl AU AMxqM urr /
PROVISIONS AND CONTINGENCIES 4289 64 91 4402 53 34
eQ / TOTAL 45688 79 97 41124 31 86
xWra xxjA q Ael M WxxSU /
SHARE OF EARNINGS IN ASSOCIATES 17 73 03 38 82 74 06
AsmxZrM Wi WOl x mWs uw M sL xqMi
lus sp / CONSOLIDATED NET PROFIT FOR THE YEAR
BEFORE DEDUCTING MINORITIES INTEREST 2931 05 34 2672 26 38
bOL: AsmxZrM Wi (lus Wl) / LESS: MINORITY
INTEREST (NET LOSS) 66 38 56 42 09 47
xqW M Tsxum uw M sL xqMi sp /
CONSOLIDATED PROFIT FOR THE YEAR ATTRIBUTABLE TO
THE GROUP 2864 66 78 2630 16 91
III. ulrel / APPROPRIATIONS
lqlMi M AiUh / TRANSFERS TO
xukM AUi lkr / STATUTORY RESERVE 682 97 00 652 20 00
me AUi lkr / CAPITAL RESERVE 122 40 00 87 50 00
luz AUi lk / INVESTMENT RESERVE 360 80 00
uzw AUi lkr / SPECIAL RESERVE 500 00 00
AiUq spz / INTERIM DIVIDEND 299 81 95
mxiui spz / PROPOSED DIVIDEND 540 96 68 207 56 52
spz MU / DIVIDEND TAX 110 76 12 88 04 10
Uexu ij Alr AUi lkr q Aawi vw /
BALANCE CARRIED OVER TO REVENUE AND OTHER
RESERVES 546 76 98 1295 04 34
eQ / TOTAL 2864 66 78 2630 16 91
qWiumh sZMl lir / SIGNIFICANT ACCOUNTING POLICIES 18
sZ xok Ommhr / NOTES ON ACCOUNTS 19
mi zrU Ael (qs u ilMi) / EARNINGS PER SHARE
(SHARE BASIC AND DILUTED) (` q / in `) 62.10 58.77
M SWAMINATHAN V SUKUMAR N SIVASANKARAN N SELVARAJAN HARIDEESH KUMAR B
DIVISIONAL MANAGER DIVISIONAL MANAGER DEPUTY GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR
P S RAWAT UMA SHANKAR G V MANIMARAN SUNIL HUKUMCHAND MOCHERLA SAIRAM BHASKAR
EXECUTIVE DIRECTOR DIRECTOR DIRECTOR KOCHETA DIRECTOR
(ADDITIONAL CHARGE OF MD & CEO) DIRECTOR
RAJINDER KUMAR GOEL SANJAY JAIN
DIRECTOR DIRECTOR
AS PER OUR REPORT OF EVEN DATE

For For For For For For

P CHOPRA & Co. A R DAS & ASSOCIATES S C VASUDEVA & Co. VINAY KUMAR & Co. RAM RAJ & Co. For V K NIRANJAN & Co.
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
RAKESH JAIN PIYALI BASU ASHISH AGARWAL VINAY KUMAR AGRAWAL K SIVA SUBRAMANYA PRASAD NIRANJAN V K
Partner Partner Partner Partner Partner Partner
Bengaluru
MAY 25,2015

349
 rj 31 qc, 2015 M xqMi isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 1 - me / SCHEDULE 1 - CAPITAL
I. mkMi me / Authorised Capital 3000 00 00 3000 00 00
(mi zrU ` 10/- M 300,00,00,000 DYuO zrU /
(300,00,00,000 Equity Shares of ` 10/- each)
II. laqi, ApS AU mS / Issued,Subscribed and Paid up:
i) MS xUMU U kUi mi zrU `10/- M 33,21,96,971 DYuO zrU |
mNs uw `10/- M 31,82,58,837 DYuO zrU
i) 33,21,96,971 Equity Shares of `10/- each. Previous year 31,82,58,837
Equity Shares of `10/- each held by Central Government 332 19 70 318 25 88
ii) Alr U kUi mi zrU `10/- M 14,30,00,000 DYuO zrU
ii) 14,30,00,000 Equity Shares of `10/- each held by others 143 00 00 143 00 00
475 19 70 461 25 88
Alxc 2 - AUi lkr ij Akzw / SCHEDULE 2 - RESERVES AND SURPLUS
I. xukM AUi lkr / Statutory Reserves 8032 61 00 7349 64 00
II. me AUi lkr / Capital Reserves 1478 67 07 1356 27 07
III. xqMl mU me AUi lkr / Capital Reserves on Consolidation 2 79 18 2 79 18
IV. vrU mqrq / Share Premium 3400 13 81 2844 07 63
V. uSz qS AiUh AUi lkr / Foreign Currency Translation Reserve 149 36 18 215 70 73
VI. mlqsrMl AUi lkr / Revaluation Reserve 5405 85 08 5498 25 33
VII. luv AUi lk / Investment Reserve 565 80 00 205 00 00
VIII. ArMU Aklrq, 1961 M kU 36(1)(viii) M AlxU uvw AUi lkr /
Special Reserve in terms of Section 36(1)(viii) of the Income Tax Act, 1961 4000 00 00 3500 00 00
IX. Uexu u Alr AUi lkr / Revenue and Other Reserves 8981 28 78 8743 26 36
eQ / TOTAL 32016 51 10 29715 00 30

Alxc 2L - AsmxZrM Wi / SCHEDULE 2A - MINORITIES INTEREST

I. qs - Alwa xok Alus Sl M AsmxZrM Wi / Minority
Interest at the date on which the parent- Subsidiary relationship came
into existence 110 15 12 110 15 12
II. EUui u/(Mq) / Subsequent Increase / (Decrease) 268 49 99 203 40 30
eQ / TOTAL 378 65 11 313 55 42

350
 rj 31 qc, 2015 M xqMi isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 3 - eq / SCHEDULE 3 - DEPOSITS
M. I. qa eq / A.I. DEMAND DEPOSITS
M

i. oM x / FROM BANKS 1054 08 35 888 74 24

ii. Alr x / FROM OTHERS 18670 32 42 16846 78 66
eQ / Total 19724 40 77 17735 52 90

II. oci oM eq / SAVINGS BANK DEPOSITS 93686 33 32 85535 60 57

eQ / Total 93686 33 32 85535 60 57

III. xuk eq / TERM DEPOSITS

i. oM x / FROM BANKS 28153 78 66 19060 88 04
ii. Alr x / FROM OTHERS 332160 46 23 298271 66 48
eQ / Total 360314 24 89 317332 54 52
eQ (I, II AU III) / Total (I, II & III) 473724 98 98 420603 67 99

Z. B. zZA M eq / DEPOSITS OF BRANCHES

i. pUi q / IN INDIA 444561 07 62 398725 18 88
ii. pUi M oWU / OUTSIDE INDIA 29163 91 36 21878 49 11
eQ / Total 473724 98 98 420603 67 99

Alxc 4 - EkU / SCHEDULE 4 - BORROWINGS

I. pUi q EkU / BORROWINGS IN INDIA
i. pUir Ueu oM / i. RESERVE BANK OF INDIA -- --
ii. Alr oM / ii. OTHER BANKS 131 25 31 --
iii. Alr xxjL ij Lexr / iii. OTHER INSTITUTIONS AND AGENCIES 1915 69 68 5128 71 54
iv. Amipi miSr ohQ / iv. UNSECURED REDEEMABLE BONDS
(ADmQAD AU ah Gh) / (IPDI AND SUB-ORDINATED DEBT) 10514 60 00 9778 10 00
eQ / Total 12561 54 99 14906 81 54

II. pUi M oWU EkU / BORROWINGS OUTSIDE INDIA

i. Alr oM / i. OTHER BANKS 11638 74 96 10905 02 60
ii. Amipi miSr ohQ / ii. UNSECURED REDEEMABLE BONDS
(ah Gh / SUB-ORDINATED DEBT) 1562 52 11 1497 88 30
eQ / Total 13201 27 07 12402 90 90
eQ / Total 25762 82 06 27309 72 44

351
 rj 31 qc, 2015 M xqMi isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 5 - Alr SriL AU mukl / SCHEDULE 5 - OTHER LIABILITIES & PROVISIONS
I. Sr os / I. BILLS PAYABLE 1020 71 10 1174 18 05
II. AiU Mrsr xqrel (lus) / II. INTER OFFICE ADJUSTMENT (NET) 306 21 01 218 47 77
III. Emci ore / III. INTEREST ACCRUED 1712 23 34 1471 72 10
IV. Axjai MU SriL / IV. DEFERRED TAX LIABILITY 1396 15 42 1738 27 41
V. Alr (mukl xWi) / V. OTHERS (INCLUDING PROVISIONS) 21764 06 87 18083 71 57
eQ / TOTAL 26199 37 74 22686 36 90

Alxc 6 - pUir Ueu oM q lMS AU zw /

SCHEDULE 6-CASH AND BALANCES WITH RESERVE BANK OF INDIA
I. UMQ zw / I. CASH IN HAND
(uSz qS lO xWi) / (INCLUDING FOREIGN CURRENCY NOTES) 1855 44 03 1147 76 12
II pUir Ueu oM q zw / BALANCES WITH RESERVE BANK OF INDIA
cs Zi q / IN CURRENT ACCOUNT 20121 32 31 21013 26 79
eQ / TOTAL 20121 32 31 21013 26 79
eQ / TOTAL 21976 76 34 22161 02 91

Alxc 7 - oM q zw ij qa u Asm xcl mU miSr Uz

SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT
NOTICE
I. pUi q / I. IN INDIA
i. oM q zw / i. BALANCE WITH BANKS
M . cs Zi q / a. IN CURRENT ACCOUNTS 31 11 96 77 46 13
Z. Alr eq Zi q / b. IN OTHER DEPOSIT ACCOUNTS 6 87 23 127 33 13
eQ / TOTAL 37 99 19 204 79 26

ii. qa AU Asm xcl mU kl / ii. MONEY AT CALL AND SHORT NOTICE

M. oM q / a. WITH BANKS - -
Z. Alr xxjA q / b. WITH OTHER INSTITUTIONS - -
eQ / TOTAL - -
eQ / TOTAL 37 99 19 204 79 26

II. pUi x oWU / II. OUTSIDE INDIA

i. oM q zw / i. BALANCE WITH BANKS
M. cs Zi q / a. IN CURRENT ACCOUNTS 4534 43 94 5408 10 71
Z. eq Zi q / b. IN DEPOSIT ACCOUNTS 21577 82 48 15092 66 26
ii. qa AU Asm xcl mU kl / ii. MONEY AT CALL AND SHORT NOTICE 520 54 12 2004 98 84
eQ / TOTAL 26632 80 54 22505 75 81
eQ / TOTAL 26670 79 73 22710 55 07

352
 rj 31 qc, 2015 M xqMi isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2015

rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 8 - luz / SCHEDULE 8 - INVESTMENTS
I. pUi q luz: xMs
I. INVESTMENTS IN INDIA: GROSS: 154510 85 58 135302 90 23
bOr: qsrx u Ll m AD M sL mukl /
LESS: PROVISION FOR DEPRECIATION AND NPI 118 44 73 819 21 31
pUi q lus luz / NET INVESTMENT IN INDIA 154392 40 85 134483 68 92
i. xUMU mipir /
i. GOVERNMENT SECURITIES 128056 55 19 109638 60 57
ii. Alr AlqSi mipir /
ii. OTHER APPROVED SECURITIES 182 15 22 167 46 14
iii zrU /
iii SHARES 6484 77 13 5572 99 98
iv. QocU AU ohQ /
iv. DEBENTURES AND BONDS 8734 91 39 9839 93 41
v. xWra xxjA q luv /
v. INVESTMENTS IN ASSOCIATES 861 49 92 682 46 13
vi. Alr (Lq LT, u x LT, x Q, x m AS) /
vi. OTHERS (MFs, VCF, CDs, CP ETC.) 10072 52 00 8582 22 69
eQ / Total 154392 40 85 134483 68 92

II. pUi M oWU luz- xMs /

INVESTMENTS OUTSIDE INDIA - GROSS 1014 05 60 1003 72 38
bOr: qsrx M sL mukl /
LESS : PROVISION FOR DEPRECIATION 42 05 82
pUi M oWU lus luz /
NET INVESTMENTS OUTSIDE INDIA 1014 05 60 961 66 56
i. xUMU mipir / GOVERNMENT SECURITIES
(xjlr mkMUh xWi) / (INCLUDING LOCAL AUTHORITIES) 49 36 25 73 81 29
ii. Alr (oQ AS) /
OTHERS (BONDS ETC.) 964 69 35 887 85 27
eQ / Total 1014 05 60 961 66 56
eQ / Total 155406 46 45 135445 35 48

353
 rj 31 qc, 2015 M xqMi isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2015

rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 9 - Aaq / SCHEDULE 9 - ADVANCES
M. i.
M ZUS ar ij o mU plL ar os /
A. i. BILLS PURCHASED & DISCOUNTED 11504 77 13 10870 88 98
ii. UMQ EkU, AuU QnO AU qa mU Gh M cMi /
ii. CASH CREDITS, OVERDRAFTS AND LOANS REPAYABLE ON DEMAND 130344 75 18 116629 26 65
iii. qrS Gh / iii. TERM LOANS 188444 34 65 173825 86 00
eQ / Total 330293 86 96 301326 01 63

Z. i. qi Axir U mipi / B. i. SECURED BY TANGIBLE ASSETS

(oW Gh M mi Aaq xWi / INCLUDING ADVANCES AGAINST BOOK DEBTS) 263940 68 30 242144 77 53
ii. oM/ xUMU aUOr U muUi /
ii. COVERED BY BANK / GOVT. GUARANTEES 9364 08 69 9933 90 69
iii. Amipi / iii. UNSECURED 56989 09 97 49247 33 41
eQ / Total 330293 86 96 301326 01 63

C. I. pUi q Aaq / C. I. ADVANCES IN INDIA

i. mjqMi / i. PRIORITY SECTOR 106928 90 32 96652 16 40
ii. xuelM / ii. PUBLIC SECTOR 31624 64 14 31777 93 93
iii. oM / iii. BANKS 2 49 69 37 75 12
iv. Alr / iv. OTHERS 169026 37 65 153619 44 85
eQ / Total 307582 41 80 282087 30 30

II. pUi x oWU / II. ADVANCES OUTSIDE INDIA

i. oM x Sr / i. Due from Banks - -
ii. Alr x Sr / ii. Due from Others - -
M. ZUS ar ij o mU plL ar os/
a. BILLS PURCHASED AND DISCOUNTED 3435 05 61 1507 34 83
Z. qrS / xqWl Gh / b. TERM / SYNDICATED LOANS 9354 61 82 8444 87 26
a. Alr / c . OTHERS 9921 77 73 9286 49 24
eQ / Total 22711 45 16 19238 71 33
eQ / Total 330293 86 96 301326 01 63

354
 rj 31 qc, 2015 M xqMi isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2015

rj 31.03.2015 M rj 31.03.2014 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 10 - Acs Axir / SCHEDULE 10 - FIXED ASSETS
I. mUxU / I. PREMISES
sai mU/ ij mNs isl m M AlxU
qsrMl / AT COST / VALUATION AS PER LAST
BALANCE SHEET 6597 55 59 2925 70 87
uw M SUl xukl / ADDITIONS DURING THE YEAR 58 29 78 104 68 51
6655 85 37 3030 39 38
uw M SUl ML mlqsrMl /
REVALUATION MADE DURING THE YEAR 3569 47 57
uw M SUl MOir / DEDUCTIONS DURING THE YEAR 5 77 94 2 31 36
6650 07 43 6597 55 59
Ail qsrx / DEPRECIATION TO DATE 698 64 14 5951 43 29 598 21 85 5999 33 74

II. Alr Acs Axir / II. OTHER FIXED ASSETS

(TlcU AU eQlU xWi /
INCLUDING FURNITURE & FIXTURES)
mNs islm M AlxU sai mU /
AT COST AS PER LAST BALANCE SHEET 2519 09 66 2121 56 50
uw M SUl xukl /
ADDITIONS DURING THE YEAR 790 83 14 452 15 97
3309 92 80 2573 72 47
uw M SUl MOir / DEDUCTIONS DURING THE YEAR 95 49 20 54 62 81
3214 43 60 2519 09 66
Ail qsrx / DEPRECIATION TO DATE 2201 52 32 1012 91 28 1861 79 26 657 30 40

III. mai Axir / III. LEASED ASSETS

mNs islm M AlxU sai mU /
AT COST AS PER LAST BALANCE SHEET 96 28 92 103 46 66
uw M SUl xukl / ADDITIONS DURING THE YEAR 95 94 1 06 16
97 24 86 104 52 82
uw M SUl MOir / DEDUCTIONS DURING THE YEAR 96 38 8 23 90
96 28 48 96 28 92
Ail qsrx / DEPRECIATION TO DATE 88 19 27 87 58 03
8 09 21 8 70 89
bOL: mSU Aiq xqrel sZ /
LESS: LEASE TERMINAL ADJUSTMENT ACCOUNT 3 50 30 4 58 91 4 31 26 4 39 63
IV. maiUi me / CAPITAL WORK IN PROGRESS 1 05 41 93 85
eQ / TOTAL 6969 98 89 6661 97 62

355
 rj 31 qc, 2015 M xqMi isl m M Az ollus Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT 31ST MARCH 2015

rj 31.03.2015 M rj 31.03.2015 M
As at 31.03.2015 As at 31.03.2014
(` 000) (` 000)
Alxc 11 - Alr Axir / SCHEDULE 11 - OTHER ASSETS
I. Emci ore / I. INTEREST ACCRUED 4503 22 91 4206 65 13
II. Aaq m q mS MU/ xi mU MU MOi (lu-
s)/ II. TAX PAID IN ADVANCE/TAX DEDUCTED AT
SOURCE (NET) 6093 89 45 4065 57 68
III. sZl xqa u xOqm / III. STATIONERY AND
STAMPS 11 96 63 12 01 90
IV. Su M xi q mmi M aD aU-oMa Axir/
IV. NON BANKING ASSETS ACQUIRED IN
SATISFACTION OF CLAIMS 32 13 33 09
V. Alr / V. OTHERS 6630 25 20 4500 08 42
eQ / TOTAL 17239 66 32 12784 66 22
Alxc 12 - AMxqM SriL /
SCHEDULE 12 - CONTINGENT LIABILITIES
I. oM M u Su elW Gh M m q xuMU lW
Mr ar W / I. CLAIMS AGAINST THE BANK NOT
ACKNOWLEDGED AS DEBTS 9055 00 99 8273 69 79
II. Azi: mS luz Wi SriL / II. LIABILITY FOR
PARTLY PAID INVESTMENTS -- 25 36 00
III. oMr urS ulqr xuSA M MUh SriL /
III. LIABILITY ON ACCOUNT OF OUTSTANDING
FORWARD EXCHANGE CONTRACTS 207080 71 69 158715 01 00
IV. xbOM M AU x S aD aUOr / IV. GUARANTEES
GIVEN ON BEHALF OF CONSTITUENTS
M. pUi q / a. IN INDIA 39353 13 56 35822 92 02
Z. pUi x oWU / b. OUTSIDE INDIA 98 31 86 44 98 42
39451 45 42 35867 90 44
V. xuMir, mMl AU Alr okriL /
V. ACCEPTANCES, ENDORSEMENTS AND
OTHER OBLIGATIONS 18579 64 70 19813 70 43
VI. Alr qS elM sL oM AMxqMi M sL
EUSr W / VI. OTHER ITEMS FOR WHICH THE
BANK IS CONTINGENTLY LIABLE
M. ml: plL ar ulqr os / a. BILLS OF
EXCHANGE REDISCOUNTED - --
Z. Alr / b. OTHERS 1500 00 46 664 57 70
1500 00 46 664 57 70

eQ / TOTAL 275666 83 26 223360 25 36

356
 rj 31 qc, 2015 M xqmi uw M sL xqMi sp u Wl Zi M Az oll us Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED PROFIT AND LOSS ACCOUNT
FOR THE YEAR ENDED 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
xqmi uw xqmi uw
For the Year ended For the Year ended
31.03.2015 (` 000) 31.03.2014 (` 000)
Alxc 13 - Aei ore / SCHEDULE 13 - INTEREST EARNED
I. Aaq/os mU ore / QxMEO I. INTEREST/
DISCOUNT ON ADVANCES/BILLS 32066 49 38 28433 68 25
II. luz mU Ar / II. INCOME ON INVESTMENTS 10970 19 56 10293 32 63
III. pUir Ueu oM q zwUz AU AiU oM lkr
mU ore / III. INTEREST ON BALANCES WITH RBI
AND OTHER INTER BANK FUNDS 764 78 18 733 57 53
IV. Alr / IV. OTHERS 11 90 11 109 58 09
eQ / TOTAL 43813 37 23 39570 16 50
Alxc 14 - Alr Ar / SCHEDULE 14 - OTHER INCOME
I. Mqzl, ulqr, AU Sss / I. COMMISSION,
EXCHANGE AND BROKERAGE 996 96 33 982 76 61
II. luv M ur mU sp/ II. PROFIT ON SALE OF
INVESTMENTS
sp / PROFIT 1179 44 18 689 92 48
bOL : Wl / LESS : LOSS 12 36 00 1167 08 18 17 81 76 672 10 72
III. luv M mlqsrMl mU sp / III. PROFIT ON
REVALUATION OF INVESTMENTS -- --
bOL: luv M mlqsrMl mU Wl / LESS: LOSS
ON REVALUATION OF INVESTMENTS 103 48 53 (103 48 53) 160 74 51 (160 74 51)
IV. pq/ pul AU Alr Axir M ur mU sp /
IV. PROFIT ON SALE OF LAND/BUILDINGS AND
OTHER ASSETS
sp / PROFIT 17 78 10 3 99 02
bOL : Wl / LESS : LOSS 2 52 35 15 25 75 1 66 48 2 32 54
V. ulqr sl-Sl mU sp /
V. PROFIT ON EXCHANGE TRANSACTIONS
sp / PROFIT 781 86 95 670 16 21
bOL : Wl / LESS : LOSS - 781 86 95 - 670 16 21
VI. spz AS U Aei Ar /
VI. INCOME EARNED BY WAY OF DIVIDEND 79 37 74 68 97 92
VII. uuk Ar / VII. MISCELLANEOUS INCOME 1796 38 28 1908 08 19
eQ / TOTAL 4733 44 70 4143 67 68
Alxc 15 - urr Mr ar ore
SCHEDULE 15 - INTEREST EXPENDED
I. eq mU ore / I. INTEREST ON DEPOSITS 32024 70 01 28645 05 21
II. pUir Ueu oM/ AiU oM EkU mU ore
II. INTEREST ON RESERVE BANK OF INDIA/
INTERBANK BORROWINGS 1145 86 27 700 30 16
III. Alr / OTHERS 962 56 08 1260 18 02
eQ / TOTAL 34133 12 36 30605 53 39

357
 rj 31 qc, 2015 M xqmi uw M sL xqMi sp u Wl Zi M Az oll us Alxcr
SCHEDULES FORMING PART OF THE CONSOLIDATED PROFIT AND LOSS ACCOUNT
FOR THE YEAR ENDED 31ST MARCH 2015
rj 31.03.2015 M rj 31.03.2014 M
xqmi uw xqmi uw
For the Year ended For the Year ended
31.03.2015 (` 000) 31.03.2014 (` 000)
Alxc 16 - mUcsl urr
SCHEDULE 16 - OPERATING EXPENSES
I. MqcUr M pail AU ElM sL mukl /
I. PAYMENTS TO AND PROVISIONS FOR EMPLOYEES 4313 30 14 3706 52 54
II. MUr, MU, Uzl / II. RENT, TAXES, LIGHTING 666 16 68 554 00 95
III. qSh u sZl xqa / III. PRINTING AND STATIONERY 51 93 28 42 12 65
IV. uml u mcU / IV. ADVERTISEMENT AND PUBLICITY 44 27 52 66 34 40
V. oM M xm mU qsrx (mlqsrMl AUi lkr x AiUh
M oS M lus) V. DEPRECIATION ON BANKS PROPERTY
(NET OF TRANSFER FROM REVALUATION RESERVE) 428 90 55 229 89 06
VI. lSzM M zsM, p AU urr / VI. DIRECTORS FEES,
ALLOWANCES AND EXPENSES 1 59 99 1 54 15
VII. sZ mUM M zsM AU urr (zZ sZ mUM
xWi ) / VII. AUDITORS FEES AND EXPENSES (INCLUDING
BRANCH AUDITORS FEES AND EXPENSES) 51 65 03 47 32 24
VIII uk mpU / VIII. LAW CHARGES 30 82 90 27 42 28
IX. QM, iU, OsTl AS /
IX. POSTAGE, TELEGRAMS, TELEPHONES ETC. 53 82 73 47 42 82
X. qUqqi AU AlUh / X. REPAIRS AND MAINTENANCE 202 69 03 184 41 84
XI. oq / XI. INSURANCE 328 92 94 201 14 76
XII. Alr urr / OTHER EXPENDITURE 1091 91 91 1008 07 44
eQ / TOTAL 7266 02 70 6116 25 13

Alxc 17 - xWra xxjA q Ar M Av / (Wl) /

SCHEDULE 17 - SHARE OF EARNINGS / (LOSS) IN ASSOCIATES
I. MlTl Wqx sqOQ / CANFIN HOMES LTD 37 47 26 32 06 40
II. Mqlusj OxO CQr sqOQ
COMMONWEALTH TRUST INDIA LTD -- --
III. Gh uzswh u Alxkl sqOQ/ CREDIT ANALYSIS AND
RESEARCH LTD -- --
IV. r aqh oM / REGIONAL RURAL BANKS
M. mai Mwh aqh oM
A. PRAGATHI KRISHNA GRAMIN BANK 21 37 81 36 64 49
Z. MUs aqh oM
B. KERALA GRAMIN BANK 14 18 31 35 56 12 14 03 17 50 67 66
eQ / TOTAL 73 03 38 82 74 06

358
Alxc- 18
rj 31 q
qc
c, 2015 M xqmi uw M
sL xqMi ur uuUh M qWiumh
sZMl lir
1. M. xq
xqMi ur uuUh irU MUl M AkU:
oM (mkl), ClM Alwar, xWo xxjA ij xr
Eq (xqW) M xqMi ur uuUh LiWxM sai mUmU
M Aiai irU Mr ar W AU Alrj Mr ar uur M
NQMU pUi q xqlrir xuMi sZMl xi, xoki
xukM mukl, pUir Ueu oM U lkUi lrqM
AmA/ SzlSz, oq ulrqM u uMx mkMUh,
Mml Aklrq, 2013, pUir xlS sZMU xxjl U
eU M aD sZMl qlM AU xoki Ea / MUoU M
mcsi mjA M qWiumh mUmr M Alm W|
Z. Alql M Emra:
xqMi ur uuUh M irU M sL mokl i M
Axir, SriA, urr, Ar ij AMxqM SriA M
mMOl M mpui MUlus Uz M xok q ur uuUh
M iUZ M Alql ij kUhA M oll M AuzrMi
W | mokl M qll W M r Alql u kUhL Eci u
uuMmh W | ijm, uxiuM mUhq Alql x Asa W
xMi W | sZMl Alql M Mx p xzkl M uiql
ij puwr q qlri Sr ar |
2. xqMl mr
2.1 xqW (7 Alwar, 3 xWo xxjA ij 1 xr Eq)
M xqMi ur uuUh M irU lqlsZi M AkU mU
M aD:
(M) MlU oM (mkl) M sZ mUi sZ
(Z) oM AU ExM Alwar M ur uuUh Axql
sZ lir M Alm Wl M sL Axir/SriA /
Ar AU urr ex Uzr M eQMU Ai xqW zw
sl Sl, uxs UWi sp/Wl M WOl M oS AU
eW MW AcUhr W AuzrM mUuil MUM m SU
m AkU mU pUir xlS sZMU xb U eU Mr
ar sZ qlM (s q)21 (xqMi ur uuUh) M
Alm irU Mr ar W|
SCHEDULE 18
SIGNIFICANT ACCOUNTING POLICIES ON THE
CONSOLIDATED FINANCIAL STATEMENTS FOR
THE YEAR ENDED 31ST MARCH, 2015
1. (a) Basis of Preparation of Consolidated Financial
Statements
The Consolidated Financial Statements (CFS) of the
Bank (Parent), its Subsidiaries, Associates and Joint
Venture (Group) are drawn up on historical cost
convention and conform in all material aspects to
the Generally Accepted Accounting Principles (GAAP)
in India, applicable statutory provisions, regulatory
norms / guidelines prescribed by Reserve Bank of
India (RBI), Insurance Regulatory and Development
Authority, Companies Act, 2013, Accounting
Standards issued by the Institute of Chartered
Accountants of India (ICAI) and the prevalent market
practices, in the respective industry / business except
as otherwise stated.
(b) Use of Estimates:
The preparation of nancial statements requires the
management to make estimates and assumptions
that affect the reported amount of assets, liabilities,
expenses, income and disclosure of contingent
liabilities as at the date of the nancial statements.
Management believes that these estimates and
assumptions are reasonable and prudent. However,
actual results could differ from estimates. Any
revision to accounting estimates is recognized in
current and future periods.
2 Consolidation procedure
2.1 CFS of the Group [comprising of Seven (7) Subsidiaries,
Three (3) Associates and One (1) Joint Venture] have
been prepared on the basis of:
(a) Audited accounts of Canara Bank (Parent).
(b) Line by line aggregation of each item of asset /
liability / income / expense of the Subsidiaries
with the respective item of the Parent, and after
eliminating all material intra-group balances /
transactions, unrealised prot / loss and making
necessary adjustments wherever required for all
signicant non-uniform accounting policies as
per Accounting Standard (AS) 21 (Consolidated
Financial Statements) issued by ICAI.
359
 (a) xWo xxjA q M aD Sbuk luz M sZMl
pUir xlS sZMU xxjl U eU M aD sZMl
qlM-23 (xWo xxjA q luz M sZMl
M sL xqMi ur uuUh) U xWo xxjA
M sZmUi ur uuUh M AkU mU Mr ar
W | xWo xxjA M mUcsl mUhq M luzM
M Wxx M xqMi sp u Wl uuUh q Asa x
Szr ar W|
(b) xr Eq M qqs q "xqlmiM xqMl mi" q
pUir xlS sZMU xxjl U eU Mr ar sZ
qlM 27 (xr Eq q Wi M ur UmOa) M
AlxU xqMi Mr ar W |
2.2 xqMi ur mUhq q AsmxZrM Wi x iimr Alwar
q lus DYuO / sp q AsmxZrM zrUkUM M Wxx
x W |
2.3 Alwar q ExM luz M xj mkl xxj M sai
ij Alwar M DYuO q mkl M Wxx M oc M
AiU M qqslxU xZ / AUi me M m q qlri
S aD |
3. uSz qS AiUh / uSz qS mUuil:
3.1 uSz qS qSM qS M mUpM iU mU MsmlM SU
mU ApsZi Mr ar W | uSz qS qSM qS M
uSz ulqr ui xb (TQD) U mMzi SU mU ml:
uhi Mr ar W | Cx mMU M qS M ml: uhl x Eim
Wlus ulqr AiU M qxM SU mU sp-Wl Zi
q qlri SMU ApsZi Mr ar W |
3.2 uSz zZ M xok q slSl Lu zw M Ap
uSz mUcsl M m q uaMi Mr ar W | Lx
sl-Sl ij zw Uz M oM U iqW AkU mU xqMi
Mr ar W |
mUxmr Lu SriA (Sl qSM u aU-qSM ij
AMxqM SriL) M AiUh pUir xlS sZMU xxjl
M sZMl qlM 11- "uSz ulqr SU mU mUuil M
mpu" M Alm Lu pUir Ueu oM M SzlSz
M AlxU, mirM iqW M Ai q pUir uSz qS
(c) Long Term Investments in Associates are
accounted for under the Equity Method as
per Accounting Standard (AS) 23 (Accounting
for Investments in Associates in Consolidated
Financial Statements) issued by ICAI based on the
Audited Financial Statements of the Associates.
The investors share of the result of the operations
of the Associates is reected separately in the
Consolidated Prot & Loss Account.
(d) Interests in Joint Ventures are consolidated
on Proportionate consolidation method as
prescribed in Accounting Standard (AS) 27
(Financial Reporting of Interests in Joint Ventures)
issued by ICAI.
2.2 Minority interest in the CFS consists of the share of
the minority shareholders in the net equity / prot of
the subsidiaries.
2.3 The difference between cost to the Parent of its
initial investment in the subsidiaries and the Parents
portion of the equity of the subsidiaries is recognized
as goodwill / capital reserve as the case may be.
3. Foreign Currency Translation / Conversion of Foreign
Currencies
3.1 Foreign currency monetary items are initially recorded
at a notional rate. Foreign currency monetary
items are restated at the rate published by Foreign
Exchange Dealers Association of India (FEDAI) at the
end of each quarter. Exchange difference arising on
restatement of such items at the quarterly rates is
recognised in Prot & Loss Account.
3.2 Transactions and balances of foreign branches are
classied as non-integral foreign operations. Such
transactions and balances are consolidated by the
Bank (Parent) on quarterly basis.
Assets and Liabilities (both monetary and non-
monetary as well as contingent liabilities) are
translated at the closing spot rate of exchange
announced by Foreign Exchange Dealers Association
of India (FEDAI) as at the end of each quarter and
Income and Expenditure items of the foreign
360
 urmU xb U bwi Aiq WeU ulqr SU mU Mr ei
W | uSz zZA M Ar Lu urr qS M 'TQD' U
mMzi iqW Axi xqml SU mU AiUi Mr ei W |
mUhqxum Wlus ulqr sp / Wl M, uSz qS
AiUh mUi q eq / lq Mr eLa |
3.3 slSl M uql ulqr SU mU Ar u urr qS M
Wxo q sr ar W |
3.4 urS ulqr xuSL:
xp urS ulqr xuSA M mUp q Eim Wlus
mqrq r pll M urr r xuS mU Wlus Ar M
m q mUzki Mr ar W | urS ulqr xuSA M
AmUzki mqrq r pll xWi AxqrM UMUh mU
Wlus sp / Wl, rS W i, UMUh iUZ mU qlri S
aD | urS xuSA mU ulqr AiU M UmOa Auk,
eW ulqr SU mUuii WL W, mU sp u Wl Zi q
qlri S aD |
3.5 oMr urS ulqr xuSA, aUOr, xuMir,
mMl ij Alr okriA M xok q AMxqM SriA
M mUMsl TQD U mMzi Aiq SU M AlxU isl
m q Mr ar W|
4. luz
4.1 luz M uaMUh pUir Ueu oM M SzlSz M
AlxU Mr ar W | oM M xmh luz xupa il
xua q upei Mr ar W, ex mUmYui M sL
kUi', o M sL kUi' AU urmU M sL kUi' ex
mipir M ApaWh M xqr mU lkUi Mr ar W |
luz M N: xua q mMO Mr ei W ex (M) xUMU
mipir (Z) Alr AlqSi mipir (a) zrU (b) QocU
AU oQ (X) xr Eq q luz AU (c) Alr
4.2 luz M AkaWh sai M lkUi MUl M sL:
M) mipir M ZUS M xqr Elx xoki Sss,
Mqzl AS ex sai M sp u Wl Zi M
mpUi Mr ei W |
branches are translated at the quarterly average rate
published by FEDAI in accordance with Accounting
Standard (AS) 11 (The effect of Changes in Foreign
Exchange rates) issued by the ICAI and as per the
guidelines of RBI regarding the compliance of the
said standard.
3.3 The resultant exchange gain / loss is credited /
debited to Foreign Currency Translation Reserve.
3.4 Forward Exchange Contracts
Premium or discount arising at the inception of
all forward exchange contracts are amortized as
expense or income over the life of the contract. Prot
/ Loss arising on cancellation of forward exchange
contracts, together with unamortized premium
or discount, if any, is recognized on the date of
termination. Exchange differences on forward
contracts are recognized in the Prot & Loss account
in the reporting period in which the exchange rates
change.
3.5 Contingent liabilities in respect of outstanding
forward exchange contracts, guarantees,
acceptances, endorsements and other obligations
are stated in the balance sheet at the closing rates
published by FEDAI.
4 Investments
4.1. Classication of investments is made as per the
guidelines of the RBI. The entire investment portfolio
of the Parent is classied under three categories viz.
Held to Maturity (HTM), Available for Sale (AFS) and
Held for Trading (HFT). Such classication is decided
at the time of acquisition of securities.
Investments are disclosed in the Balance Sheet under
six classications viz: (a) Government securities, (b)
Other approved securities, (c) Shares, (d) Debentures
& Bonds, (e) Investments in Associates and (f) Others.
4.2. In determining the acquisition cost of investment:
(a) Cost such as brokerage, commission etc., relating
to securities at the time of purchase are charged
to Prot & Loss Account.
361
 Z) AkaWh / lmOl iUZ iM Gh sZi mU ZQi
Auk ore M Uexu M m q ql ei W |
4.3 luz M qsrMl pUir Ueu oM U eU ML aL
SzlSz M AlxU Mr ei W e rjlxU W :
Z) mUmYui M sL kUi (Lc O Lq)
Auk xqmi Wi kUi xua M Aiai luz mU ApaWh
sai, lus mizkl, AaU MD W i ExM AkU mU Mr
el W | AMi qsr x rS MD AkM ApaWh sai W
i Ex zw Auk q mUzki Mr ei W |
xr Eq M luz M UZu sai mU qsrMi Mr
ei W | qsr q MD p xjr x W i ExM mhi:
mukl Mr ei W |
r aqh oM AU Alr lrx zrU q luz M sai
mU UZ ei W |
ucU me lkr (uxLT) q SlM 23.08.2006 M oS
M aD luz M il uw M AUpM Auk M sL
LcOLq h M iWi uaMi Mr ei W ij sai mU
qsr lkUh Mr ei W |
(Z) o M sL Emsok (L LT Lx)
Cx xua M iWi uaMi mirM mipi qxM AkU mU
oeU M sL AMi W ij pUir Ueu oM M SzlSz
M AlxU mirM iqW M Aiq iUZ (isl m iUZ)
M Emsok oeU SU mU e xOM LYxce mU urmU
/ MO, pUir lri Ar qS oeU AU urim xb
(LTADLqLqQL) U bwi qsr / Ar M AkU mU
qsrMi Mr ei W |
mirM h / uaMUh M iWi mirM ua M xok q lus
qsrx Emsok Mr ei W AU lus qsru lMU
ei W | mirM mipir M qsrMl oeU M sL AMi
ML el mU oW qsr q MD mUuil lW Wi W |
il uw M Auk M mi ucU me lkr (uxLT)
q AiUi LcOLq h M CMCr M ucU me
lkr M sZmUi ur uuUh M AlxU lus
Axi qsr mU qsrMi Mr ei W | rS 18 qWl
M sL Lx sZmUi ur uuUh Emsok lW W i,
CMCr M `1 mi ucU me lk M AkU mU qsrMi
Mr ei W |
(b) Broken period interest on debt instruments up
to the date of acquisition / disposal is treated as
revenue.
4.3 The valuation of Investments is done in accordance
with the guidelines issued by the RBI as under:
a) HELD TO MATURITY (HTM)
Investments under Held to Maturity category are
carried at acquisition cost, net of amortisation, if
any. The excess of acquisition cost, if any, over the
face value is amortized over the remaining period of
maturity.
Investments in Associates are valued under equity
method. Any diminution in the value other than
temporary in nature is fully provided for.
Investment in sponsored Regional Rural Banks (RRB)
and other Trustee Shares are valued at carrying cost.
Investment in units of Venture Capital Funds (VCFs)
made after 23.08.2006 are classied under HTM
category for initial period of three years and valued
at cost.
b) AVAILABLE FOR SALE (AFS)
Investments classied under this category are
marked to market on quarterly basis and valued as
per RBI guidelines at the market rates available on
the last day of each quarter (Balance Sheet date)
from trades / quotes on the stock exchanges, prices
/ yields declared by the Fixed Income Money Market
and Derivatives Association of India (FIMMDA).
Unquoted securities are also valued as per the
RBI guidelines.
The net depreciation under each category /
classication is fully provided for whereas the net
appreciation, if any, is ignored. The book value of the
individual securities does not undergo any change
after these are valued at Mark-to-Market basis.
Units of Venture Capital Funds (VCF) transferred from
HTM category after a period of three years [Refer
section 4.3 (a) above] are valued at Net Asset Value
(NAV) as per the audited nancial statements of
Venture Capital Funds. In case such audited nancial
statements are not available continuously for 18
months as on the date of valuation, units are valued
at Re. 1 per VCF.
362
(a) urmU Wi kUi (Lc
(Lc LT O)
Cx xua M iWi uaMi luz M oeU MO, pUir lri
Ar qS oeU AU urim xb (LTADLqLqQL) U bwi
qsr / Ar M AlxU xmiWM AkU mU qsrMi Mr
ei W |
mirM h / uaMUh M iWi lus qsrx M qlri S
aD ij xukl, rS MD W i, lMU ar | mirM mipir
M qsrMl oeU M sL AMi ML el mU oW qsr q
MD mUuil lW Wi W |
4.4 LM h x SxU h q zrU M AiUh lqllxU Mr
ei W :
M) mUmYui M sL kUi (LcOLq) h x o M
sL Emsok (LLTLx) / urmUM sL kUi (LcLTO)
h M AiUh AkaWh qsr / oW qsr mU Mr
ei W | Lc O Lq h M iWi luz M qs m
x mqrq mU UZ ei W i mUzki sai mU AiUh
Mr ei W |
Z) L LT Lx / Lc LT O h x Lc O Lq h q
AiUh oW qsr r oeU qsr M lql qsr mU Mr
ei W |
a) L LT Lx x Lc O Lq h r CxM umUi M UZu
sai mU AiUi Mr ei W | Emci qsrx, rS
MD W i, Lc LT O mipir M mi qsrx M sL
mukl M AiUi Mr ei W |
4.5 mipiMUh / mllqh Mml (mM / mM) M oM U oc
ar AleM luz ur mUxmr M qqs q mM / mM
U eU mipi UxS M mipi UxS M miSr qsr
AU ur mUxm M lus oW qsr q x lql xiU mU
qsrMi Mr ei W | oWr q ClM luz EmrlxU
lkUi qsr mU ClM ur r uxs iM Mr ei W AU
Lx ur / uxs mU Wl r sp lqllxU mz Mr
ei W :-
M) rS ur lus oW qsr (Ll o u)x Mq qsr mU W
i, iSxok Mq M pUir Ueu oM M SzlSz
M AlxU qlri Sr ei W |
Z) rS ur lus oW qsr x E qsr mU W i,
AiU mukl M umx lW Mr ei W, sMl mM
/ mM M Alr ur Axir M ur x Wlus
Mq / Wl M mi M sL Mr ei W |
4.6 il q x Mx p h q zqs ML aL mipir
M qqs q eW ore / qs Uz LM lkUi Auk M
sL oMr W i AleM luz M m q uaMi Mr ei
c) HELD FOR TRADING (HFT)
Investments classied under this category are valued
at rates based on market quotations, price / yields
declared by FIMMDA on a weekly basis.
The net depreciation under each security held is fully
provided for whereas the net appreciation, if any, is
ignored. The book value of the individual securities
does not undergo any change after marked to market.
4.4. Transfer of scrips from one category to another is
carried on the following basis:
(a) HTM to AFS / HFT category at acquisition price
/ book value. In case the investments under
HTM category are placed at premium originally
the transfer is made at amortised cost.
(b) AFS / HFT to HTM category at lower of the book
value or market value.
(c) AFS to HFT category or vice versa, at the carrying
value. The accumulated depreciation, if any,
to be transferred to the provision for depreciation
against HFT securities and vice versa.
4.5. Non-Performing Investments Security Receipts issued
by Securitisation / Reconstruction Company (SC / RC)
in respect of nancial assets sold by the Bank to the
SC / RC are valued at the lower of the redemption
value of the Security Receipt and the Net Book Value
of the nancial asset. The Investment is carried in the
books at the price determined as above until its sale
or realisation and on such sale or realisation, loss or
gain is dealt with as below:
(a) If sale is at a price below Net Book Value (NBV),
the shortfall is recognised as per Reserve Bank of
India guidelines.
(b) If the sale is for a value higher than NBV, the
excess provision is not reversed but utilized
to meet shortfall / loss on account of sale of
other nancial assets to SC / RC.
4.6. Securities included in any of three categories where
interest / principal is in arrears for a specied
period, are classied as Non-Performing Investment.
363
 W | Lx mipir mU ore Ar M ahl lW M ei
W ij luz M qsr mU AuzrM x / mukl olr
ei W | Lx AleM luz M mi qsrx M
Alr AeM Axir M mi qsru x xqel lW Mr
ei W |
4.7 luz M o mU sp
o M sL Emsok ij urmUM sL kUi hr M
iWi luz M o mU sp M sp u Wl Zi q qlri
Sr ei W |
mUmYui M sL kUi h M xok q luz M o
mU Emsok sp M mjqM iU mU sp u Wl Zi q
sr ei W ij sp M xqisr Uz M AUi me
(MU u AUi lk M AiUi M elus Uz M lus)
q ulrei Mr ei W |
xp il hr q luz M o mU Wl M sp u Wl
Zi q qlri Sr ar |
4.8 Um / miui Um M sZMl u cslk xqrel xuk
(LsLLT)
Um / miui Um M iWi xWqi zi mU LM MUU M
xj ZUS / oc aD mipir (LsLLT M Asu) M
ml:ZUS M EkU M m q sZMi Mr eLa|
LsLLT M iWi pUir Ueu oM x ZUS / oc aD
mipir M luz Zi q lq / eq Mr ei W AU
mUmYui mU ExM umx Mr ei W|
5. urim xuSL
oM ore SU ASs-oSs AU qS urimr q uruWU
MUi W | oM U uruWU Mr e UW ore SU urimr
mr ore SU ASs-oSs, mUxmU slSl M qS ore SU
ASs-oSs AU urS SU MUU W | oM U uruWU M e
UW qS urimr uMsm AU qS ASs-oSs W |
Lx urim xuSA M lqllxU qsrMi Mr ei W :
M) urmU M sL mra M elus urimr oeU M
sL AMi M ar W AU lus qsrx M mWcl
M aD W ij lus qsru M lMU ar W |
Interest Income on such securities is not reckoned
and appropriate depreciation / provision in value of
Investments is made. Deprecation in respect of such
Non-Performing Investments is not set off against
appreciation in other performing securities.
4.7 Prot on sale of Investments
Prot on sale of Investments in respect of Available
for Sale and Held for Trading categories is recognized
in Prot & Loss Account.
Prot on sale of Investments in respect of Held
to Maturity category is rst taken to the Prot &
Loss Account and an equivalent amount of Prot
is appropriated to the Capital Reserve (net of taxes
and amount required to be transferred to Statutory
Reserve).
Loss on sale of Investments in all the three categories
is recognized in Prot & Loss Account.
4.8 Accounting for Repo / Reverse Repo and Liquidity
Adjustment Facility (LAF)
The securities purchased / sold with an agreement to
repurchase on the agreed terms under Repo / Reverse
Repo (other than LAF) are recognized as borrowing /
lending.
The securities purchased / sold under LAF with RBI
are debited / credited to Investment account and
reversed on maturity.
5. Derivative contracts
The Bank (Parent) deals in Interest Rate Swaps and
Currency Derivatives. The Interest Rate Derivatives
dealt by the Bank (Parent) are Rupee Interest Rate
Swaps, Cross Currency Interest Rate Swaps and
Forward Rate Agreements. Currency Derivatives dealt
by the Bank (Parent) are Options and Currency Swaps.
Such derivative contracts are valued as under:
(a) Derivative contracts dealt for trading are
valued on mark-to-market basis, net depreciation
is recognized while net appreciation is ignored.
364
 Z) miU M sL Emra q sr e UW urim xuSL
lqllxU W :
(i) urim xuSL oeU M sL AMi lW M ei
W, eo iM AkUpi Axir / SriL oeU M
sL AMi lW M ar W |
(ii) miU ASs-oSs M sL Emci AkU mU
Ar / urr M sZ Mr ar |
6. Aaq:
6.1 Aaq M AeM AU AleM Axir M m q xuaMi
Mr ar W AU pUir Ueu oM U lkUi uuMmh
qlSQ M AlxU mukl ML aL W |
6.2 Aaq M EkUMiuU qlM, AuqlM, xSak ij Wl
Axi M m q xuaMi Mr ar W |
6.3 bUs Aaq Wi AeM / AleM Aaq M sL pUir
Ueu oM SzlSz M AlxU mukl ML aL W |
6.4 uSz zZA M AeM / AleM Aaq M sL mukl
xjlr ulrq / Ex Sz M lrq, e p AkM MQ W,
pUir Ueu oM U lkUilxU ML aL W |
6.5 isl m q oiL aL Aaq AleM Axir, QO aUO
xxjl x mmi Su AU mlplD M sL ML aL mukl
M lus W |
6.6 AleM Aaq q ML aL AzM uxsr M xqrel M
mjqi: mpU u ore, iimi xqfi lmOl / Msii
Gh M qs kl M mi Mr ei W | uxsr M mjqi:
qs kl M xj xqrei Mr ei W |
6.7 mipiMUh / mllqh Mml M oc ar ur Axir
M qqs q, qsrMl, Ar lkUh pUir Ueu oM M
SzlSz M AlxU Mr ei W |
7. Acs mUxmr:
7.1 oM M mUxU q q pq AU mus pq xm
Sl zqs W | pq AU pul M meMUh WxiiUh
m / AoOl m / m MUUlq, Sbuk mus xmr
AU / r xm M piM kUh M AkU mU Wi W |
(b) Derivative contracts undertaken for hedging are:
(i) Derivative contracts designated as hedges
are not marked to market unless their
underlying asset is marked to market.
(ii) Income / Expenditure is recognized on accrual
basis for Hedging Swaps.
6. Advances
6.1 6.1 Advances are classied as Performing and Non-
Performing Assets in accordance with the prudential
norms issued by RBI.
6.2 Advances are classied into Standard, Sub-Standard,
Doubtful and Loss assets borrower-wise.
6.3 Provisions for Domestic Advances are made for
Performing / Non-Performing Advances in accordance
with the RBI Guidelines.
6.4 Provisions for Performing / Non-Performing
Advances with foreign branches are made as per local
regulations / regulations of host country according
to the norms prescribed by RBI whichever is more
stringent.
6.5 Advances stated in the Balance Sheet are net of
provisions made for Non-Performing Assets, claims
received from Credit Guarantee Institutions and
rediscount.
6.6 Partial recoveries in Non-Performing Advances are
apportioned rst towards charges and interest,
thereafter towards principal with the exception of
Non-Performing advances involving compromise
settlements / Loan Past Due advances, where the
recoveries are rst adjusted towards principal.
6.7 In case of nancial assets sold to SC / RC, the
valuation and income recognition are done as per RBI
guidelines.
7. Fixed Assets
7.1. The premises of the Bank (Parent) include freehold
and leasehold properties. Land and Buildings
are capitalised based on conveyance / letters
of allotment / agreement to lease, deposit made
on long term leasehold properties and / or physical
possession of the property.
365
7.2 eW mlqsrMl Mr ar W ElW NQMU mUxU AU Alr
Acs mUxmr M LiWxM sai mU oir ar W |
mlqsrMl mU qsr u, rS MD W i, Ex mlqsrMl
AUi lk Zi q eq Mr ei W | xuki qsr M
MUh Wlus qsrx / mUzkl M AiUh mlqsrMl
AUi lk x sp u Wl Zi q qsrx q eq Mr
eLa |
8. qsrx:
8.1 qs oM:
M) MmrOU M NQ MU, Acs mUxmr M qsrxi
qsr mi M iWi iixok mUxm M Emrer eul
mU mUMsi qsr M AkU mU mokl U lkUi SU
M AlxU qsrx Mr ei W | pUir Ueu oM M
SzlSz M AlxU, MmrOU mU qsrx M xk
MOi mhs M AkU mU 33.33% mpUi MUi WL
Mr ei W |
Z) mki xm mU mS mqrq ExM mU m Auk M
sL mpUi Mr ei W |
a) Acs mUxm q xukl mU qsrx M ApaWh
iUZ M ahl ML oaU xmh uw M sL mpUi
Mr ar W | o / lmOl uw M SUl qsrx M
sL mukl lW Mr ar W |
8.2 Alwar:
(M) S Alwar ex MlU LcLxox BULOs oM BT
Mqx eul oq Mml sqOQ ij MloM MmrOU
xuxe sqOQ, M NQMU Axir M AjM
Emrer eul M krl q UZMU xk sCl mi M
AkU mU qsrx mSl Mr ar W, bUs Alwar
M xjU mUxmr M qsrx Mml Aklrq,
2013 M iWi lkUi SU r Exx AkM SU mU
Mr ar|
(Z) xnOurU ZUS / uMx ij sCxx sai AS
ex Aqi Axir M qsrx xk sCl AkU mU
xnOurU M Emrer eul M AlxU xnOurU M
mjq Emra x AkMiq 3 uw M sL qsrxi
Mr ar W |
(a) mSU mUxmr M qsrx Mml Aklrq, 2013
M iWi lkUi mi AU SU mU r MUU M AlxU
mSU M mU mjqM / irM Auk M sL mSU
7.2 Premises and other Fixed Assets are stated at
historical cost except wherever revalued. The
appreciation on revaluation, if any, is credited to
the Revaluation Reserve Account. Depreciation /
Amortization attributable to the enhanced value is
transferred from Revaluation Reserve to the credit of
Depreciation in the Prot & Loss Account.
8. Depreciation
8.1 Parent:
(a) Fixed Assets of the Parent excluding computers
are depreciated under Written Down Value
method at the rates determined by the
management on the basis of estimated useful life
of the respective assets. As per the guidelines of
RBI, depreciation on Computers including ATMs
is charged at 33.33% on Straight-Line Method.
(b) Premium paid on leasehold properties is charged
off over the lease period.
(c) Depreciation on additions to xed assets is
charged for the full year irrespective of the date
of acquisition. No depreciation is provided for in
the year of sale / disposal.
8.2 Subsidiaries:
(a) Fixed Assets of the domestic subsidiaries are
depreciated as per Written Down Value (WDV)
method except in case of two subsidiaries viz.
Canara HSBC Oriental Bank of Commerce Life
Insurance Company Ltd and Canbank Computer
Services Ltd, where depreciation is provided as
per Straight line Method (SLM) considering the
economic useful life of the assets. The rates of
depreciation used are as prescribed under the
Companies Act, 2013, or higher.
(b) Intangible assets comprising of software
purchase / developed and licensing cost are
depreciated on straight-line method over the
useful life of the software upto a maximum of
3 years commencing from the date on which
software is rst utilized.
(c) In respect of leased assets depreciation is charged
either as per the method and rates prescribed
under the Companies Act, 2013 or in the ratio
of lease rentals accrued during the year to lease
366
 MUr M uw M SUl xci mSU MUr M Almi,
Sl q e AkM W Ex SU mU Mr ar W|
8.3 uSz lMr M xjU mUxmr M qsrx xjlr
Mll M AlxU Mr ar W|
9. Axir M Wl:
9.1 mirM isl m iUZ M Mx Axi M Amrl M
xMi W r lW M lkUh Mr ei W | rS MD xMi
mr ei W i uxs rar Uz M LM Alql olr ei
W ij rS MD Amrl W i, mukl Mr ei W |
10. Uexu qlri:
lqlsZi M NQMU Ar u urr M sZMl xqlrir
Emci AkU mU Mr ei W |
M) pUir Ueu oM U lkUi qlSQ M AlxU
AleM Aaq ij AleM luz mU ore M qlri
Sr ar W |
Z) AiSr os, Mqzl ( xUMU MUoU M Asu),
ulqr, Sss ij sMU MUr mU ore M ahl
uxs mU Mr ar W |
a) spz M ahl io Mr eLa eo ExM mmi MUl
M AkMU xjmi Mr ei W|
b) qMSq SrU ML aL Zi M qqs q xoki ukM
ij Alr urr M sp-Wl Zi q mpUi Mr
eLa ij uxs mU ExM ahl Ar M m q M
eLa |
11 eul oq Mml:
M) mqrq:
uxs M Eci lii W i, msxkUM x Sr
UWl mU mqrq M Ar M m q qlri Sr ar W |
CMD xo MUoU M sL CMCr M AoOl mU Ar
M qlri Sr ar W | urmai msxr mU mqrq
M msxr oWs Wl mU Ar M m q qlri Sr
ar W | mqrq M xu MU M lus M m q qlri
Sr ar W | Om-Am mqrq M LMs mqrq M m
q ql ar W |
Z) xo MUoU x Ar:
lk mokl mpU, mzxlM mpU, qir SU mpU AU
Alr mpU EimS uzwiA M AlxU xo lkr x
rentals for the entire primary / secondary period
of the lease, as per agreements, whichever is
higher.
8.3 Depreciation on Fixed Assets of the foreign entities is
charged as per local laws.
9. Impairment of Assets
An assessment is made at each balance sheet date
whether there is any indication that an asset is
impaired. If any such indication exists, an estimate
of the recoverable amount is made and impairment
loss, if any, is provided for.
10. Revenue Recognition
Income and expenditure are generally accounted on
accrual basis, except the following:
(a) Interest on Non-Performing advances and Non-
Performing Investments is recognized as per
norms laid down by the RBI.
(b) Interest on overdue bills, Commission (other
than Government business), Exchange,
Brokerage and rent on lockers are accounted
on realization.
(c) Dividend is accounted when the right to receive
the same is established.
(d) In case of suit led accounts, related legal and
other expenses incurred are charged to Prot &
Loss Account and on recovery the same are
accounted as Income.
11. Life Insurance Company:
(a) Premium:
Premium is recognised as income when due
from policy holders, if there is a reasonable
certainty of collectability. For unit linked
business, income is recognized when the units
are allocated. Premium on lapsed policies is
recognized as income when such policies are
reinstated. Premiums are recognized net of
service tax. Top-up premium is considered as
single premium.
(b) Income from Linked Business:
Fund management charges, administrative
charges, mortality charges and other charges as
367
 msx M lrq u zi M AkU mU uxs Mr ei
W ij Sr Wl mU qlri Sr ar W |
a) mloq mqrq
qrq:
mloq mqrq M pail M sZMl ml: oq
Mml M xj M aD uruxj r xk M AlxU Mr
ei W |
b) mS sp (Su xWi):
Su M sai q msx x sp M Uz ij Su
lmOl sai, eW sa W, zqs Wi W | qir Su
ij UCQU Su M sZMl xcl mmi M oS M
ei W |
EUeu sp Su ij mUmYui Su M sZMl
pail M sL Sr Wl mU M ei W |
rlO sM msxr M Aiai Aprmh ij AWUh
M sZMl, xo rlO M U Wl mU Mr ei
W | mUmUai msxr M Aiai ClM sZMl
Aprmh M xcl mmi ij xuMU ML el mU M
ei W |
sM Cl Auk M Aiai xo msxr M qqs q,
Aji msx eU ML el M ij x 5 uw (1xioU
2010 M oS eU M aD msxr M qqs q), ux
msxr M Aprmh qsr M LM lq lk "rLs
uriq msx lk" q luzi Mr ei W ij
msx kUM M, sM Cl Auk M xqmi M oS
lrliq li misp r uxiuM misp, Sl q e
AkM W, M pail Mr ei W |
eul mxiuM M qir mU zw puwr mqrq M NO
M uzwiA us oq EimS M qqs q NO-mmi
xmh puwr mqrq, eul mxiuM M qir M bOl
mU mS sp M iWi Sriu M m q mkMi WL
W | eo Alui qQs mqrq Sr Wi W io Mji
mqrq M EmU Sriu M Mq MUl M U umwi
Mr ei W Lu mqrq Ar CxM sL mkMi W |
Su mU mloqi uxs M sZMl xoki Su M
Auk q M ei W |
per the product feature are recovered from linked
funds in accordance with terms and conditions
of policies and are recognized when due.
(c) Reinsurance Premium:
Reinsurance premium ceded is accounted
in accordance with the treaty or in principle
arrangement with the re-insurer.
(d) Benets paid (including claims):
Claims costs consist of the policy benet amount
and claim settlement costs, where applicable.
Death claims and rider claims are accounted for
on receipt of intimation.
Survival benet claims and maturity claims are
accounted for when due for payment.
Surrenders and withdrawals (net of charges)
under unit linked policies are accounted for
when associated units are cancelled. Under
traditional policies these are accounted for when
the intimation for the surrender is received and
accepted.
In case of surrender of linked policy within the
lock-in period i.e., 5 years from the date of issue
of policy (in case of policies issued after 1st
September 2010), the surrender value of such
policies is invested in a designated fund called
UL Discontinued Policy Fund and is paid to the
policyholder on the expiry of the lock-in period
along with minimum guaranteed return or
actual return, whichever is higher.
In case of insurance products having the feature
of waiver of the balance future premiums on
the death of the life proposer, the entire future
premiums waived are recognised as liability
under the benets paid on the occurance of death
of the life proposer. When the subsequent modal
premium becomes due, the said premiums are
funded by reducing the aforesaid liability and the
premium income is recognized for the same.
Re-insurance recoveries on claims are accounted
for, in the same period as the related claims.
368
 X) AkaWh sai:
AkaWh sai uW sai W e mjqM m x oq
xuS AkaWh x xoki Wi W ij ex Auk
q Zc Wl Wi W Ex Auk q Zc Mr ei W
exx rW mUuii Wi UWi W | mjq uw q pail
M aD Mqzl M uxs Mx umx M MUh M aD
W, rS MD W i, puwr q ExM sZMl Ex uw q
M ei W exq ExM uxs Sr Wi W |
c) eui msxr M SriL:
SriA M qsr M lkUh oq ulrqM u uMx
mkMUh (oqMi M Axir,SriL ij zkqi
qel) ulrq, 2000 ij pUir oq ulrqM u
uMx mkMUh U eU Alr xoki ulrq, xqr-
xqr mU xzki, pUir oqMM xxjl U eU
qlM (L m Lx 2 u L m Lx 7) oqMM mj ij
pUi q xqlr iU x qlr oqMM xi M AlxU
Wi W |
12 MqcU Wi:
I. mUpwi AzSl relL: mUpwi AzSl relL
ex puwr lk / mzl lk M urr M m q
qlri Sr ar W ij sp-Wl Zi q mpUi Mr
ar W |
II. mUpwi Wisp relL
M) EmSl: MqcU EmSl lk rel M lkrl oM
(qs oM) U Mr ei W exM mokl Asa
lrx U Mr ei W e SzlSz M AlxU
ElM lk M mokl MUi W | EmSl M iWi
oM M okriA M uiql qsr M rj uwi
AkU mU ij rel xm M Eci qsr M lus
AkU mU okriA M qlri Sl M sL xMs
okriA x Mq Mr ar W |
Z) mzl: MqcU mzl lk rel M lkrl oM
(qs oM) U Mr ei W exM mokl Asa
lrx U Mr ei W | mzl M iWi oM M
okriA M uiql qsr M rj uwi AkU mU
ij rel xm M Eci qsr M lus AkU mU
okriA M qlri Sl M sL xMs okriA x
Mq Mr ar W |
(e) Acquisition Costs:
Acquisition costs are costs which vary with and
are primarily related to acquisition of insurance
contracts and are expensed off in the period in
which they are incurred. Recovery on account of
claw back of the rst year commission paid, if
any, in future is accounted in the year in which its
recovery is due.
(f) Liability for life policies:
The value of liabilities is determined in
accordance with Insurance Regulatory and
Development Authority (Assets, Liabilities and
Solvency Margin of insurers) Regulations, 2000
and other relevant Regulations issued by IRDA
as amended from time to time, the Actuarial
Practice Standards (APS 2 and APS 7) issued by
the Institute of Actuaries of India and generally
accepted actuarial principles in India.
12 Employee Benets
(a) Dened Contribution Plans: Dened
Contribution Plans such as Provident / Pension
fund are recognized as an expense and charged
to Prot & Loss account.
(b) Dened Benet Plans:
(i) Gratuity: The employee Gratuity Fund
Scheme is funded by the Bank (Parent) and
managed by a separate trust who in turn
manages their funds as per guidelines. The
present value of the Banks (Parent) obligation
under Gratuity is recognized on actuarial
basis as at the year end and the fair value of
the Plan assets is reduced from the gross
obligation to recognize the obligation on a
net basis.
(ii) Pension: The employee Pension Fund Scheme
is funded by the Bank (Parent) and managed
by a separate trust. The present value of
the Banks (Parent) obligations under
Pension is recognized on the basis as at
the year end and the fair value of the
Plan assets is reduced from the
gross obligation to recognize the obligation
on a net basis.
369
 a) Gh mUzkl: oM M MqcUr M sL mzl uMsm
Sl x Wlus Sri / urr M ij EmSl pail
Aklrq, 1972 q xzkl M mi EmSl q
Wlus xukl M xql AkU mU ur uw
2010-11 x z Wlus uw x mc uw M sL
mUzki Mr ar W |
(a) uzwkMU N M Sbuk sp ql ar W ij mirM
isl m iUZ M Alqli CMD xZ mi M xui
oqMM qsrMl M AkU mU qlri Sr ei W |
13 MUkl M sL mukl:
M) cs ij Axjai Sl MU M sL MU mukl Mr
ar W |
Z) xqr-Auk q AiU M MUh Eimll Wlus upSM
MU Axir AU SriA e M oS M Aukr M
SUl miuil rar W M Aklrqi MU M SU u
lrq Aju oS q isl-m M iUZ mU Aklrqi
MU M SU u lrq M mra MUi WL qlri S
ar W |
a) upSM MU Axir M qlri io iM lW S ei W
eo iM rW mU iUW x li lW W ei M mrmi
pu MUrar Ar Emsok W era exM mi Lx
upSM MU Axir M qlri S era |
14 mukl, AMxqM SriL AU AMxqM Axir:
M) pUir xlS sZMU xxjl U eU sZMl qlM
29 (AMxqM SriA ij AMxqM Axir M sL
mukl) M AlxU oM U mukl M qlri Sr
ar, eo :-
(i) muui bOl M mUhq M m q uiql q MD
Sriu W |
(ii) rW xpu W M Ex Sriu M lpl M sL
AjM sp r xi M oWaql Sriu lmOl
M sr AuzrM W |
(iii) eo Sriu Uz M Eci mUMsl Mr e
xMi W |
(iii) Amortization: The additional liability /
expenditure arising consequent upon the
reopening of Pension Option to the employees of
the Bank (Parent) and enhancement in gratuity
limit pursuant to amendment to Payment of
Gratuity Act, 1972 has been amortized equally
over a period of ve years beginning with the
nancial year 2010-11.
(c) The privilege leave is considered a long term benet
and is recognized based on independent actuarial
valuation on projected Unit credit method at each
Balance Sheet date.
13 Provision for Taxation
(a) Provision for tax is made for both Current and
Deferred Taxes.
(b) Deferred Tax assets and liabilities arising on
account of timing differences and which are
capable of reversal in subsequent periods
recognized using the tax rates and laws that
have been enacted or substantively enacted as
of the balance sheet date
(c) Deferred tax assets are not recognized unless
there is virtual certainty that sufcient future
taxable income would be available against
which such deferred tax assets can be recognized.
14 Provisions, Contingent Liabilities and Contingent
Assets
(a) In conformity with Accounting Standard (AS)
29 (Provisions, Contingent Liabilities &
Contingent Assets) issued by ICAI, the Bank
(Parent) recognizes provision only when :
(i) It has a present obligation as a result of past
event.
(ii) It is probable that an outow of resources
embodying economic benets will be
required to settle the obligation, and
(iii) When a reliable estimate of the amount
of the obligation can be made.
370
(Z) lqlsZi M sL MD mukl lW Sr ar :-
(i) mu M bOlA x Eim Wlus Mx xpui Sriu
AU exM Axiiu M m Mus LM r Exx AkM
Ali pu bOlA, e mh m x oM M lrh
M piU W, M bOl r l bOl mU W M eLa |
(ii) rW mirzi lW W M AjM Wi x xxqm xxkl
M oWaql Sriu M lmOl M sL AuzrM W
Aju
(iii) Sriu M Uz M uxlr Alql lW sar e
xMi |
Lx okriA M AMxqM SriA M m q ApsZi
Mr ar W | CxM lrqi AiUs mU lkUi Mr ei
W ij okri M Ex Wxx exM sL AjM sp r
xi M oWaql xpu W, M sL mukl Sr ar W |
eW mU uxlr Alql olr lW e xMi, uW mukl
lW Sr ar W |
(a) AMxqM SriA M ur uuUhr q qlri lW Sr
ar W |
15. lus sp:
sp-Wl Zi q lus sp lqlsZi M mi W:
M) luz mU qsrx M sL mukl
Z) MUkl M sL mukl
a) Gh Wlr M sL mukl
b) qlM Axir M sL mukl
X) AleM luz M sL mukl
c) Alr xqlr u AuzrM qS
16. mi zrU Ael:
oM (mkl), sZMl qlM 20 (mi zrU Ael) M AlxU
mi zrU M qs u ilMi Ael M UmO MUi W | mi
zrU qs Ael M ahl MU mi lus sp M uw M
SUl oML DYuO zrU M pUi Axi xZr x upei
MUM Mr ei W |
(b) No provision is recognized for:
(i) Any possible obligation that arises from past
events and the existence of which will be
conrmed only by the occurrence or non
occurrence of one or more uncertain future
events not wholly within the control of the Bank
(parent).
(ii) It is not probable that an outow of resources
embodying economic benets will be required
to settle the obligation, or
(iii) A reliable estimate of the amount of obligation
cannot be made.
Such obligations are recorded as Contingent
Liabilities. These are assessed at regular intervals
and only that part of the obligation for which the
outow of resources embodying economic benets
is probable, is provided for, except in the extremely
rare circumstances where no reliable estimate can be
made.
(c) Contingent Assets are not recognized in the nancial
Statements.
15 Net Prot:
The Net Prot in the Prot & Loss Account is after:
(a) Provision for Depreciation on Investments.
(b) Provision for Taxation.
(c) Provision on Loan Losses
(d) Provision on Standard Assets.
(e) Provision for Non-Performing Investments.
(f) Other usual & necessary items.
16 Earnings per share:
The Bank (Parent) reports basic and diluted Earnings
Per Share in accordance with Accounting Standard
(AS) 20 (Earnings per Share). Basic Earnings Per Share
is computed by dividing the net prot after tax
by the weighted average number of equity shares
outstanding during the Year.
371
Alxc 19 / SCHEDULE 19

rj 31 qc 2015 M xqmi uw M sL xqMi ur uuUh mU sZ xok Ommhr

NOTES ON ACCOUNTS ON THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEAR
ENDED 31st MARCH 2015
1. xqMi ur uuUh (xLTLx) q MlU oM (mkl) u ExM lqlsZi Alwar, xWra xxjA u xr Eq M
mUhq zqs W| Alwar, xWra xxjA u xr Eq M ur uuUh MlU oM M ur mUhq, Aji 31 qc,
2015 M xqmi uw M Ex UmOa Auk iM irU Mr ar W|
1.1 Alwar:
lql Alwar M ElM sZ mUi ur mUhq M AkU mU xqMi Mr ar W:
rj 31.03.2015 rj 31.03.2014
q M xuqiu M xuqiu
Alwa M lq laqi Sz
x. Wi M Wi M
mizi (%) mizi (%)
1 MloM ucU MmOs TQ s. pUi 100.00% 100.00%
2 MloM Tllzrs xuxx s. pUi 100.00% 100.00%
3 MlU oM xYrUOe s. pUi 100.00% 100.00%
4 MloM TYOx s. pUi 70.00% 70.00%
5 MloM MmrOU xuxe s. pUi 69.14% 69.14%
6 MlU UoM Axi mokl Mml s. pUi 51.00% 51.00%
MlU LcLxox AUrOs oM BT Mqx
7 pUi 51.00% 51.00%
eul oq Mml s

1. The Consolidated Financial Statements (CFS) of the Group comprises the result of the Canara Bank (Parent) and
following Subsidiaries, Associates and Joint venture. The nancial statements of the Subsidiaries/Associates/Joint
venture are drawn upto the same reporting date as that of the Parent i.e. year ended March 31, 2015.
1.1 Subsidiaries:
The following subsidiaries have been consolidated based on their Audited Financial Statements:
Percentage Percentage
Sl. Country of of ownership of ownership
Name of the Subsidiary
No. incorporation interest (%) as interest (%) as
on 31.03.2015 on 31.03.2014
1. Canbank Venture Capital Fund Ltd India 100.00% 100.00%
2. Canbank Financial Services Ltd India 100.00% 100.00%
3. Canara Bank Securities Ltd India 100.00% 100.00%
4. Canbank Factors Ltd India 70.00% 70.00%
5. Canbank Computer Services Ltd India 69.14% 69.14%
6. Canara Robeco Asset Management Company Ltd India 51.00% 51.00%
Canara HSBC Oriental Bank of Commerce Life Insurance
7. India 51.00% 51.00%
Company Ltd

372
1.2. xWra xxjL :
xqMl M Ezr x lqlsZi xWra xxjA M sZmUi ur uuUh M AkU mU Elq Mr ar luz mU ucU
Mr ar |
rj 31.03.2015 rj 31.03.2014
M xuqiu M xuqiu
qM xWra xxjA M lq laqi Sz
Wi M Wi M
mizi (%) mizi (%)
1 MlTl Wqx s pUi 43.45% 42.35%
2 mai Mwh aqh oM pUi 35.00% 35.00%
3 MUs aqh oM pUi 35.00% 35.00%

1.2 Associates:
I. The investment in the following Associates have been considered for the purpose of consolidation based on
their Audited Financial Statements.
Percentage Percentage
Country of of ownership of ownership
Sl. No. Name of the Associates
incorporation interest (%) as interest (%) as
on 31.03.2015 on 31.03.2014
1. Cann Homes Ltd. India 43.45% 42.35%
2. Pragathi Krishna Gramin Bank India 35.00% 35.00%
3. Kerala Gramin Bank India 35.00% 35.00%

II. Mqlusj lrx (pUi) sqOQ, LM xWra xxjl, eW
mU qs oM M 30% kUh W, CxM ur uuUh SlM
31 qc, 2014 iM Emsok Wl M MUh xqMl Mr M
sL ucU lW Mr ar W | xWra xxjl M mWs x
lql xiU M mUcsl Wl M MUh ij rj 31.03.2014
M Emsok Aiq Amrmi ur uuUh mU ucU MUi WL ,
xqMi ur uuUh q, CxM luz M zqs lW MUl
x, MD mpu lW Wa|
II. Commonwealth Trust (India) Ltd., an Associate,
in which Parent has 30% holding, could not
be considered for consolidation as its nancial
statements are available only upto 31st March
2014. Considering the unsubstantial nancials
the Associate as per the last available nancial
statements as at 31.03.2014, there is no material
impact of non-inclusion of its investments in the
Consolidated Financial Statements.

1.3 Joint Venture:

1.3 xr Eq:
M. x q laqi Mqzrs CQ oM Ls Ls x, xr
Eq xxj M xok q exq oM M 40% Wi W,
xqMl 31 qc 2015 M xqmi uw M sL sZmUi
sZ M AkU mU Mr ar W | xr Eq M sL
sZ uw SxoU 31 M xqmi Wa |
a. In respect of Commercial Indo Bank LLC, the Joint
Venture entity, incorporated in Russia wherein
the Bank has 40% interest, consolidation has
been done based on audited accounts for the
year ended 31st March, 2015. The Accounting
year for the joint venture ends on 31st December.

b. As required by Accounting Standard (AS) - 27 -

Z. pUir xlS sZMU xxjl U eU
qlM- 27 xr Eq q Wi M ur
M AuzrMi M AlxU E xr Eq q
SriA, Ar u urr Uz q qs oM
lqlui W:-
sZMl Financial Reporting of Interest in Joint Ventures
UmOa issued by the Institute of Chartered Accountants
Axir, of India (ICAI) the amount of the Assets,
M zrU Liabilities, Income and Expenses of Parents share
in the said Joint Venture is as under:-

373
M. isl m: A. Balance Sheet:
(` MUQ q) (` in Crore)
uuUh 31.03.2015 31.03.2014 Particulars 31.03.2015 31.03.2014

me u SriL Capital & Liabilities

me 91.67 87.87 Capital 91.67 87.87

AUi lkr ij Akzw (44.23) 13.75 Reserve & Surplus (44.23) 13.75

eq 25.82 8.59 Deposits 25.82 8.59

EkU 147.62 133.13 Borrowings 147.62 133.13

Alr SriL u mukl 7.74 0.78 Other Liabilities and

7.74 0.78
Provisions
Ms 228.62 244.12
TOTAL 228.62 244.12
Axir
Assets
pUir Ueu oM M mx lMS
0.29 0.18
u zw Cash & Balance with RBI 0.29 0.18

oM q zw ij qa AU Balance with Banks & Money

58.12 47.95 58.12 47.95
Asmxcl mU miSr Uz at Call and Short Notice

luz 150.72 180.43 Investments 150.72 180.43

Aaq 18.70 14.72 Advances 18.70 14.72

Acs Axir 0.10 0.19 Fixed Assets 0.10 0.19

Alr Axir 0.69 0.65 Other Assets 0.69 0.65

Ms 228.62 244.12 TOTAL 228.62 244.12

AMxqM SriL 1.29 zlr Contingent Liabilities 1.29 Nil

Z. sp AU Wl Zi: B. Prot & Loss Account:

(` MUQ q) (` in Crore)
uuUh 2014-15 2013-14 Particulars 2014-15 2013-14
Ar Income
Aei ore 17.69 16.58 Interest Earned 17.69 16.58
Alr Ar 0.53 0.86 Other Income 0.53 0.86
Ms 18.22 17.44 TOTAL 18.22 17.44
urr Expenditure
urr Mr ar ore 2.27 2.22 Interest Expended 2.27 2.22
mUcsl urr 4.05 4.59 Operating Expenses 4.05 4.59
mukl AU AMxqM urr Provision and
9.46 0.78 9.46 0.78
Contingencies
Ms 15.78 7.59 TOTAL 15.78 7.59
sp 2.44 9.85 PROFIT 2.44 9.85

374
1.4 uw M SUl mkl U lqlsZi xr Eq q AiU
me sar ar:-
xr Eq M lq
MlTl Wqx sqOQ
2. Alwar u xr Eq mcsi xi u mi M
AlxU sZMl lir M AlxUh MU UW W e xoki
MUoU AuzrMiA M MUh qs oM x MN qqs
q Asa W | mokl M Ur W, cM CxM mpu qWiumh
lW W, xqMi ur uuUh q xqrel M AuzrMi
lW W |
3. up Alwar M AkaWh x mmi AUi me (xZ)
M uuUh lqllxU W:
Alwa M lq 31.03.2015
MloM TYOx sqOQ 2.54
MloM MmrOU
0.25
xuxe s.
lus AUi me 2.79
4.. AiUzZ slSl AU zw M mMUh:
31.03.2015 iM AiU zZ slSl M Akl xqkl M
Ezr x qs oM M mkl Mrsr q mmi mur M
mUpM qsl Mr ar W| ijm, qs oM l zw oMr
mur M xqkl, lMx AU ElW Mq MUl Wi Aml
mrx M eU UZ W |
MN Alwar M xok q TOMU slSU, TOMU SlSU,
Gh AU Aaq AS M zw M mMUh Mr el W |
5. xjU Axir:
i) mUxU q mkl oM M `211.35 MUQ (mNs uw
`211.35 MUQ) qs sai r MN xmr p zqs
W exM xok q WxiiUh msZ lwmSl M sL
soi W |
6.. MloM TClzLs xu
xuxx sqOQ (MlTl):
pUir Ueu oM M lSz M Almsl q MlTl mh
xuqiu us Alwa exM lus Mqi Zc W aD W uW
Mx p Alr aU oMa url Mml q lW sa W| Aa,
pUir Ueu oM l MlTl M xp ur Axir M
lmOl M sL xqr M S uw M sL, Aji 31 eluU,
1.4. During the year, the Parent has infused additional
(` MUQ q) capital in the following Associate. (` in Crore)
Uz Name of the Associate Amount
130.07 Can n Homes Ltd. 130.07
2. The Subsidiaries, Associates and Joint Venture are
following Accounting Policies consistently as per
the prevalent law and practice, which are different
from Parent in a few cases because of respective
industry / business requirements. In the opinion of
the management, as the impact of the same is not
material, no adjustment is required in Consolidated
Financial Statements.
3. The breakup of Capital Reserve / (Goodwill) arising
on the acquisition of various Subsidiaries is as under:
(` MUQ q) (` in Crore)
31.03.2014 Name of the Subsidiary 31.03.2015 31.03.2014
2.54 Canbank Factors Limited 2.54 2.54
Canbank Computer
0.25 0.25 0.25
Services Ltd.
2.79 Net Capital Reserve 2.79 2.79
4. Inter Branch transactions and conrmation of
balances:
The initial matching of entries received at the Head
Ofce of Parent for the purpose of reconciliation
under Inter-Branch transactions up to 31.03.2015
has been done. However, Parent is continuing
its efforts to reconcile and reduce the remaining
outstanding entries.
In some of the Subsidiaries, balances in Sundry
Creditors, Sundry Debtors, Loans and Advances etc.
are subject to conrmation.
5. Fixed Assets:
i) Premises include certain properties having original
cost of `211.35 Crore (Previous year `211.35 Crore)
in respect of which conveyance deeds is pending
execution.
6. Canbank Financial Services Limited (CANFINA):
Pursuant to the directions of the Reserve Bank of
India, Canbank Financial Services Ltd. (CANFINA), a
wholly owned Subsidiary whose net worth is totally
eroded is not engaged in any of the activities of a Non
Banking Financial Company. Further, Reserve Bank of
India, has permitted CANFINA a further extension of
two years i.e up to January 31, 2017 to dispose off the
375
 2017 iM oR Sr W | E Auk M SUl Mml U MD
aU oMa ur Mml M rMsm lW MUl M zi M
Akl uxiUh Auk oRr ar W | ijm, 31.01.2017 iM
Alqi M aD uxiUh M krl q UZMU MlTl M u
M xqMl rzs CMD M m q Mr ar W|
7.. uw M SUl qs oM l SlM 27.03.2015 M Arei
AxkUh xqlr oPM q oM M zrUkUM M xWqi U
mUi M aD uzw xMsm M AlxU SlM 31.03.2015
M `10/- AMi qsr M 1,39,38,134 DYuO zrU
`398.95/- M mqrq xWi `408.95/- M laq qsr mU
pUi xUMU M Akqli AkU mU laqi Mr |
8 xo mO M mMOl:
8.1 xo mOr M lq AU qs xxj - MlU oM M xj
ElM xok
8.1.1 qWiumh mokl MqM -
i) u Lx Mwh MqU, MrmsM lSzM
ii) mql xW Uui, MrmsM lSzM
iii) WUSz MqU o, MrmsM lSzM
(11.03.2015 x )
iv) Ueu MzU So, Akr u mok lSzM
(30.09.2014 iM)
v) AzM MqU ami, MrmsM lSzM
(31.10.2014 iM)
8.1.2 mkl
i) MlU oM
8.1.3 Alwar-
i) MloM ucU MmOs ThQ sqOQ
ii) MloM TClzLs xuxe sqOQ
iii) MlU oM xYrUOe sqOQ
(mWs asO xYrUOe OQa MmUzl sqOQ)
iv) MloM TYOx sqOQ
v) MloM MmrOU xuxe sqOQ
vi) MlU UoM Axi mokl Mml sqOQ
vii) MlU LcLxox AUrOs oM BT Mqx eul
oq Mml sqOQ
nancial assets. The extension of time is subject to
the condition that the company shall not undertake
any NBFC type of activity during the period.
However, considering the extension permitted upto
31.01.2017, the nancials of CANFINA have been
consolidated on going concern basis.
7. During the year Parent Bank had issued and
allotted 1,39,38,134 Equity shares of face value
of ` 10 each for cash at an issue price of Rs 408.95
including premium of `398.95 to the Government
of India (GOI) on preferential basis on 31.03.2015
with the consent of the Shareholders of the
Bank by way of Special Resolution passed in the
Extraordinary General Meeting of the Bank held
on 27.03.2015.
8. Related Party Disclosures:
8.1 Names of Related parties and their relationship with
the Parent Canara Bank
8.1.1 Key Management Personnel
i) Shri. V S Krishnakumar, Executive Director
ii) Shri. Pradyuman Singh Rawat,
Executive Director
iii) Shri. Harideesh Kumar B, Executive Director
( from 11.03.2015)
iv) Shri. R K Dubey, Chairman & Managing
Director ( till 30.09.2014)
v) Shri. Ashok Kumar Gupta, Executive Director
( till 31.10.2014)
8.1.2 Parent
i) Canara Bank
8.1.3 Subsidiaries
i) Canbank Venture Capital Fund Ltd.
ii) Canbank Financial Services Ltd.
iii) Canara Bank Securities Ltd. (formerly GILT
Securities Trading Corporation Ltd)
iv) Canbank Factors Ltd.
v) Canbank Computer Services Ltd.
vi) Canara Robeco Asset Management
Company Ltd.
vii) Canara HSBC Oriental Bank of Commerce Life
Insurance Company Ltd.
376
8.1.4 xr Eq 8.1.4 Joint Venture
i) Mqzrs oM BT CQr Ls Ls x, qxM i) Commercial Bank of India LLC., Moscow

8.1.5 xWra xxjL 8.1.5 Associates

i) Cann Homes Ltd.
i) MlTl Wqx sqOQ
ii) Commonwealth Trust (India) Ltd.
ii) Mqlusj OxO (CQr) sqOQ
iii) Regional Rural Banks sponsored by the Bank
iii) oM U mrei r aqh oM
a) Pragati Krishna Gramin Bank (erstwhile
M) mai Mwh aqh oM (mu q mai aqh oM) Pragati Gramin Bank)
Z) MUs aqh oM (mu q xEj qsoU b) Kerala Gramin Bank (erstwhile South Malabar
aqh oM) Gramin Bank)

8.1.6 qZr
r mokl MqM M xuruWU M mMOMUh 8.1.6 Disclosure about transactions with Key
lqlui W: Management Personnel is as under:
i) qZr mokl MqM M mUqM: ` 0.88 MUQ i) Remuneration to Key Management Personnel:
`0.88 Crore (Previous Year: `0.72 Crore)
(mNs uw: `0.72 MUQ)
ii) mql xW Uui (MrmsM lSzM) M ii) Staff Housing loan to Shri P S Rawat
(Executive Director) `0.05 Crore (Previous Year
MqcU Aux Gh `0.05 MUQ (mNs uw -
`0.07 Crore)
`0.07 MUQ)
In terms of paragraph 5 of AS 18, transactions in
sZMl qlM 18 M mU 5 M AlxU qWiumh the nature of Banker-Customer relationship
mokl MqM ij ElM xokr M sl-Sl xWi including those with Key Management
oMU-aWM xok mMi M sl-Sl M mMOMUh Personnel and relatives of Key Management
Personnel have not been disclosed.
lW Mr ar W |

377
8.1.7 Alwar, xWra xxjA ij xr Eq M xj sl Sl lqlui W:
(` MUQ q)
xWra qZr mokl
qZr mokl
uuUh Alwar xxjL u MqM M Ms
MqM
xr Eq xok

EkU -
zlr 30.00 30.00
rj uwi M oMr
(zlr) (49.40) --- --- (49.40)
zlr 30.00 30.00
uw M SUl AkMiq oMr
(zlr) (49.40) (49.40)

eqL
136.98 2063.36 2200.34
rj uwi M oMr
(125.91) (1443.18) --- --- (1569.09)
136.98 2063.36 2200.34
uw M SUl AkMiq oMr
(212.85) (1453.18) (1666.03)

eqA M lrel -
rj uwi M oMr zlr 140.94 140.94
--- ---
(zlr) (130.32) (130.32)
uw M SUl AkMiq oMr zlr 140.94 140.94
(zlr) (130.32) (130.32)

Aaq - 620.23 2220.58 2840.81

rj uwi M oMr
(454.53) (2679.16) (3133.69)
--- ---
uw M SUl AkMiq oMr 620.23 2220.58 2840.81
(454.53) (3135.40) (3589.93)

luz -
zlr zlr zlr
rj uwi M oMr
(zlr) (zlr) (zlr)
--- ---
zlr zlr zlr
uw M SUl AkMiq oMr
(zlr) (zlr) (zlr)

cs Zi q zw -
rj uwi M oMr 14.45 106.05 120.50
(11.82) (512.87) --- --- (524.46)
uw M SUl AkMiq oMr 14.45 106.05 120.50
(11.82) (512.87) (524.46)

Alr mmr -
rj uwi M oMr 2.03 zlr 2.03
(2.72) (zlr) --- --- (2.72)
uw M SUl AkMiq oMr 2.03 zlr 2.03
(2.72) (zlr) (2.72)

378
8.1.7 Transactions with Subsidiaries, Associates and Joint Venture are as under:
(` in Crore)
Associates Key Management
Relatives of
Particulars Subsidiaries & Joint Personnel Total
KMP
Ventures (KMP)
Borrowings
Outstanding as at the year end NIL 30.00 30.00
(NIL) (49.40) --- --- (49.40)
Maximum outstanding during NIL 30.00 30.00
the year (NIL) (49.40) (49.40)
Deposits-
Outstanding as at the year end 136.98 2063.36 2200.34
(125.91) (1443.18) --- --- (1569.09)
Maximum outstanding during the year 136.98 2063.36 2200.34
(212.85) (1453.18) (1666.03)

Placement of Deposits
NIL 140.94 140.94
Outstanding as at the year end
(NIL) (130.32) --- --- (130.32)
NIL 140.94 140.94
Maximum outstanding during the year
(NIL) (130.32) (130.32)

Advances-
620.23 2220.58 2840.81
Outstanding as at the year end
(454.53) (2679.16) (3133.69)
--- ---
620.23 2220.58 2840.81
Maximum outstanding during the year
(454.53) (3135.40) (3589.93)

Investment-
Outstanding as at the year end NIL NIL NIL
(NIL) (NIL) (NIL)
--- ---
Maximum outstanding during the year NIL NIL NIL
(NIL) (NIL) (NIL)

Balance in current account

Outstanding as at the year end 14.45 106.05 120.50
(11.82) (512.87) --- --- (524.46)
Maximum outstanding during the year 14.45 106.05 120.50
(11.82) (512.87) (524.46)

Other receivable-
Outstanding as at the year end 2.03 NIL 2.03
(2.72) (NIL) --- --- (2.72)
Maximum outstanding during the year 2.03 NIL 2.03
(2.72) (NIL) (2.72)

379
 AiU oM mipai mqhm-laqi -
rj uwi M oMr
zlr zlr zlr
uw M SUl AkMiq oMr (zlr) (zlr) --- --- (zlr)
zlr zlr zlr
(zlr) (zlr) (zlr)
AiU oM mipai mqhm -
mipai ML aL -
zlr 744.43 744.43
rj uwi M oMr
(zlr) (zlr) (zlr)
--- ---
zlr 744.43 744.43
uw M SUl AkMiq oMr
(zlr) (zlr) (zlr)

Mqzl mmr -
zlr zlr zlr
rj uwi M oMr
(zlr) (zlr) (zlr)
--- ---
zlr zlr zlr
uw M SUl AkMiq oMr
(zlr) (zlr) (zlr)

Alr Sr -
zlr zlr zlr
rj uwi M oMr
(zlr) (0.02) (0.02)
--- ---
zlr zlr zlr
uw M SUl AkMiq oMr
(zlr) (0.02) (0.02)
10.86 104.22 115.08
mS ore - --- ---
(13.11) (95.48) (108.59)
40.66 236.65 277.31
mmi spz --- ---
(26.48) (283.59) (310.07)
7.50 zlr 7.50
qrS eqA / eq mqhm M cMi --- ---
(6.00) (zlr) (6.00)
zlr zlr zlr
qrS eqA / eq mqhm M xuMi --- ---
(zlr) (zlr) (zlr)
zlr 4.63 4.63
mS mqrq --- ---
(10.00) (zlr) (10.00)
62.39 zlr 62.39
xu Emsok MUl --- ---
(98.74) (zlr) (98.74)
34.86 0.93 35.79
xuA M sL mS --- ---
(25.18) (0.67) (25.85)
lkrl sai ij ore xWi 33.87 0.01 33.88
--- ---
m Lx r lmOl (49.97) (0.02) (49.99)
zlr zlr zlr
SriA M pail --- ---
(72.05) (zlr) (72.05)
o Lx D M laqi AkMU M zlr 1.38 1.38
--- ---
xok q aUO (zlr) (zlr) (zlr)
mimi ML el M MUh milr MqcUr M SL aL uil Cxq lW Szr ar W |
MM q SL ar AMQ mNs uw x xoki W
(mokl U xMsi u mqhMi AU sZmUM U Ausoi M AlxU)

380
Inter Bank Participation Certicate
Issued
NIL NIL NIL
Outstanding as at the year end
(NIL) (NIL) --- --- (NIL)
NIL NIL NIL
Maximum outstanding during the year
(NIL) (NIL) (NIL)

Inter Bank Participation Certicate

Participated
NIL 744.43 744.43
Outstanding as at the year end
(NIL) (NIL) (NIL)
--- ---
NIL 744.43 744.43
Maximum outstanding during the year
(NIL) (NIL) (NIL)

Commission Receivable-
NIL NIL NIL
Outstanding as at the year end
(NIL) (NIL) (NIL)
--- ---
NIL NIL NIL
Maximum outstanding during the year
(NIL) (NIL) (NIL)

Other payable
NIL NIL NIL
Outstanding as at the year end
(NIL) (0.02) (0.02)
--- ---
NIL NIL NIL
Maximum outstanding during the year
(NIL) (0.02) (0.02)
10.86 104.22 115.08
Interest paid --- ---
(13.11) (95.48) (108.59)
40.66 236.65 277.31
Interest received --- ---
(26.48) (283.59) (310.07)
7.50 NIL 7.50
Dividend received --- ---
(6.00) (NIL) (6.00)
Repayment of Fixed Deposits/Certicate NIL NIL NIL
--- ---
of deposits (NIL) (NIL) (NIL)
Acceptance of Fixed Deposits/Certicate NIL 4.63 4.63
--- ---
of deposits (10.00) (NIL) (10.00)
62.39 NIL 62.39
Premium Paid --- ---
(98.74) (NIL) (98.74)
34.86 0.93 35.79
Rendering of Service --- ---
(25.18) (0.67) (25.85)
33.87 0.01 33.88
Receiving for Services --- ---
(49.97) (0.02) (49.99)
Repayment of PSU Settlement dues NIL NIL NIL
--- ---
including funding cost and Interest (72.05) (NIL) (72.05)
Guarantee in respect of rights issued to NIL 1.38 1.38
--- ---
BSE (NIL) (NIL) (NIL)

Salary to deputed staff is not shown as the same is reimbursed

Figures in brackets relate to previous year.
(As compiled and certied by the Management and relied upon by the Auditors.)

381
9. mi zrU Ael : 9. Earnings Per Share:
9.1 mi zrU qs u ilMi Ael 9.1 Basic and Diluted Earnings Per Share:

uuUh 2014-2015 2013-2014 Particulars 2014-2015 2013-2014

qs AU ilMi D m Lx (`) 62.10 58.77 Basic and Diluted EPS (`) 62.10 58.77

9.2 mi zrU Ael M mUMsl: 9.2 Computation of EPS:

uuUh 2014-2015 2013-2014 Particulars 2014-2015 2013-2014

M A Net Prot for the year
DYuO zrUkUM M
attributable to Equity
MUh uw M sL lus 2864.66 2630.17 2864.66 2630.17
Shareholders (` in
sp (`) (MUQ q)
Crore)
Z DYuO zrU B Weighted Average
M pUi Axi 46.13 44.75 Number of Equity 46.13 44.75
xZr (MUQ) Shares (Crore)
a rj 31 qc, 2015 C No. of Shares
M oMr zrU 47.52 46.13 outstanding as on 31st 47.52 46.13
M xZr (MUQ) March 2015 (Crore)
b mi zrU qs D Basic and Diluted
u ilMi Ael 62.10 58.77 Earnings per Share 62.10 58.77
(M/Z) (`) (A/B) (`)
X mi zrU AMi E Nominal Value per
10/- 10/- 10/- 10/-
qsr (`) Share (`)

10. Axjai MU Axir ij SriL:

rj 31.03.2015 M lus Axjai MU Sri ` 1396.15 MUQ j (rj 31.03.2014 M ` 1738.27 MUQ)| Axjai MU Axir
u Axjai MU Sri M mqZ bOM lqllxU W:
(` MUQ q)
Axjai MU Axir Axjai MU Sri
uuUh
31.03.2015 31.03.2014 31.03.2015 31.03.2014
Emci ore mUi mipir mU Sr lW zlr zlr 933.77 854.69

N lMSMUh / EmSl 315.18 283.62 0.02 zlr

Acs Axir mU qsrx 55.19 60.06 0.13 zlr

ArMU Aklrq, 1961 M kU 36(1) (viii) M iWi xei uzw
zlr zlr 1211.28 1189.65
AUi lkr mU Q O Ls
LT AD O Ls M sL mukl 391.00 zlr zlr zlr
Alr 16.53 zlr 28.85 37.61
Axjai MU Axir / SriL 777.90 343.68 2174.05 2081.95

382
10. Deferred Tax Assets and Liabilities:
Net Deferred Tax Liability computed as on 31.03.2015 amounted to ` 1396.15 Crore (` 1738.27 Crore as on
31.03.2014). The components of Deferred Tax Assets and Deferred Tax Liabilities are as under:-
(` in Crore)
Deferred Tax Assets Deferred Tax Liability
Particulars
31.03.2015 31.03.2014 31.03.2015 31.03.2014
Interest accrued but not due on securities NIL NIL 933.77 854.69
Leave Encashment / Gratuity 315.18 283.62 0.02 NIL
Depreciation on Fixed Assets 55.19 60.06 0.13 NIL
DTL on Special Reserve created u/s 36(1)(viii) of IT Act,1961 NIL NIL 1211.28 1189.65
Provision for FITL 391.00 NIl Nil Nil
Others 16.53 NIL 28.85 37.61
Deferred Tax Asset / Liability 777.90 343.68 2174.05 2081.95

11.. uw M SUl olD aD mukl u AMxqMiA M orU:

11
(` MUQ q)
uuUh 31.03.2015 31.03.2014
luz u Ll m AD q qsrx M sL mukl (657.75) 692.42
Ll m L M mi mukl 3780.92 2152.72
qlM Axir M mi mukl 155.32 478.64
MU M sL mukl (Axjai MU xWi) 825.26 652.49
Eci qsr M x M sL mukl (41.42) (6.32)
xSak uxs us mUxmr M sL mukl (12.00) 8.00
Sz Gh eZq M sL mukl 7.30 7.00
Alr AMxqMiL ij mukl -lus 232.02 417.58
Ms 4289.65 4402.53

11. Details of Provisions and Contingencies made during the year:

(` in Crore)
Particulars 31.03.2015 31.03.2014
Provision for Depreciation on Investment and NPI (657.75) 692.42
Provision towards NPA 3780.92 2152.72
Provision towards Standard Asset 155.32 478.64
Provision for Tax (Including Deferred Tax) 825.26 652.49
Provision for Diminution in Fair Value (41.42) (6.32)
Provision for assets doubtful of recovery (12.00) 8.00
Provision for Country Risk Exposure 7.30 7.00
Other Provision and Contingencies Net 232.02 417.58
TOTAL 4289.65 4402.53

383
12.. xqMi ZhQ UmOa
12 12. Consolidated Segment Reporting

pa M
M-MU
MUoU ZhQ (` MUQ q) Part A-Business Segment (` in Crore)
xqmi uw Year ended
uuUh PARTICULARS
31.03.2015 31.03.2014 31.03.2015 31.03.2014
I ZhQ Uexu I Segment Revenue
M UeMwr mUcsl 12201.37 11079.17 a Treasury Operations 12201.37 11079.17
Z ZSU oMa mUcsl 12582.47 10788.38 b Retail Banking Operations 12582.47 10788.38
a jM oMa mUcsl 22818.09 20806.56 c Wholesale Banking Operations 22818.09 20806.56
b Alr oMa mUcsl 0.00 0.00 d Other Banking Operations 0.00 0.00
X aU AoOi 944.89 1039.73 e Unallocated 944.89 1039.73
Ms 48546.82 43713.84 Total 48546.82 43713.84
II ZhQ mUhq II Segment Results
M UeMwr mUcsl 1569.12 1463.00 a Treasury Operations 1569.12 1463.00
Z ZSU oMa mUcsl 1221.35 1722.43 b Retail Banking Operations 1221.35 1722.43
a jM oMa mUcsl 3548.66 2946.74 c Wholesale Banking Operations 3548.66 2946.74
b Alr oMa mUcsl 0.00 0.00 d Other Banking Operations 0.00 0.00
X aU AoOi 0.00 0.00 e Unallocated 0.00 0.00
Ms 6339.13 6132.17 Total 6339.13 6132.17
III aU AoOi Ar / (urr) 808.54 859.88 Unallocated Income/
III 808.54 859.88
IV mUcsl sp 7147.67 6992.05 (Expenses)
V mukl AU AMxqMiL 3464.39 3750.04 IV Operating Prot 7147.67 6992.05
VI Ar MU 825.26 652.49 V Provisions and Contingencies 3464.39 3750.04
VII AxkUh qS 0.00 0.00 VI Income Tax 825.26 652.49
VII Extraordinary Items 0.00 0.00
VIII uw M sL lus sp 2858.02 2589.52
eQ: xWra xxjA q Ael VIII Net Prot for the Year 2858.02 2589.52
IX 73.03 82.74 Add:-Share of Earnings in
M Wxx IX 73.03 82.74
bOL: AsmxZrM Wi (lus Associates
X 66.39 42.09 Less:-Minority Interest
Wl) X 66.39 42.09
xqW M MUh uw M sL xqMi (Net Loss)
XI 2864.66 2630.17
sp XI
Consolidated Prot for the Year
2864.66 2630.17
Alr xcl attributable to the Group
XII ZhQ Axir Other Information
M UeMwr mUcsl 192632.54 167100.83 XII Segment Assets
Z ZSU oMa mUcsl 117466.87 99619.98 a Treasury Operations 192632.54 167100.83
a jM oMa mUcsl 217195.46 209370.03 b Retail Banking Operations 117466.87 99619.98
b Alr oMa mUcsl 0.00 0.00 c Wholesale Banking Operations 217195.46 209370.03
X aU AoOi Axir 25856.83 19500.50 d Other Banking Operations 0.00 0.00
Ms 553151.70 495591.34 e Unallocated Assets 25856.83 19500.50
XIII ZhQ SriL Total 553151.70 495591.34
M UeMwr mUcsl 50848.56 51466.11 XIII Segment Liabilities
Z ZSU oMa mUcsl 251281.63 183552.33 a Treasury Operations 50848.56 51466.11
a jM oMa mUcsl 183254.51 199789.78 b Retail Banking Operations 251281.63 183552.33
b Alr oMa mUcsl 0.00 0.00 c Wholesale Banking Operations 183254.51 199789.78
X aU AoOi SriL 40681.14 36105.11 d Other Banking Operations 0.00 0.00
c me AU AUi lkr* 27085.86 24678.01 e Unallocated Liabilities 40681.14 36105.11
Ms 553151.70 495591.34 f Capital and Reserves* 27085.86 24678.01
(*mlqsrMl AUi lkr M NQMU) Total 553151.70 495591.34
(* Excluding Revaluation Reserve)

384
pa Z-pasM ZhQ Part B Geographical Segment:
xqmi uw Year ended
uuUh Particulars
31.03.2015 31.03.2014 31.03.2015 31.03.2014
M bUs mUcsl a Domestic Operations
Uexu 47330.27 42648.64 Revenue 47330.27 42648.64
Axir 505063.47 458011.95 Assets 505063.47 458011.95
Z AiUr mUcsl b International Operations
Uexu 1216.55 1065.20 Revenue 1216.55 1065.20
Axir 48088.23 37579.39 Assets 48088.23 37579.39
a Ms c Total
Uexu 48546.85 43713.84 Revenue 48546.85 43713.84
Axir 553151.70 495591.34 Assets 553151.70 495591.34

13. Alwar, xr Eq AU xWra xxjA M xci
sp / Wl q qs xxj M Wxx AMl M oS xqW
M xqMi AUi lkr `32016.51 MUQ W elq x
`31384.04 MUQ qs xxj M W AU Alwar, xr
Eq u xWra xxjA M `632.47 MUQ W | (mNs uw
`29715.00 MUQ exq x `29158.85 MUQ qs xxj
M ij zw `556.15 MUQ Alwar, xr Eq u xWra
xxjA M j)
13. The consolidated Reserves of the Group after
reckoning Parents share of accumulated prot / loss
of Subsidiaries, Associates and Joint Venture amount
to `32016.51 Crore of which `31384.04 Crore relate
to the Parent and the balance `632.47 Crore relates
to the Subsidiaries, Associates and Joint Venture
(Previous year `29715.00 Crore of which `29158.85
Crore relate to the Parent and the balance `556.15
Crore relates to the Subsidiaries, Associates and Joint
Venture).

14. qs xxj AU Alwar M mirM ur uuUh q
mMOi AiU xukM xcl M xqMi ur uuUh
M x Lu lwm Ur mU MD mpu lW W AU pUir
xlS sZMU xxj (AD x L AD) U eU ML aL
xqlr xmMUh M S q UZi WL El qS M xcl
M, e qWiumh lW W, xqMi ur uuUh q mMOl
lW Mr W |
14. Additional statutory information disclosed in
individual nancial statements of the Parent and
Subsidiaries having no bearing on the true and fair
view of the Consolidated Financial Statements and
also the information pertaining to the items which
are not material have not been disclosed in the
Consolidated Financial Statements in view of the
general clarication issued by the ICAI.

15. sZMl qlM 28 - Axir M Wl:
mokl M ucUlxU, pUir xlS sZMU xxjl U
eU M aD sZMl qlM (LLx) 28 M AlxU rj
31.03.2015 M uxiuM AkU mU qlri M AuzrMir
xjU Axir M MD Wl lW WD W |
15. Accounting Standard 28 - Impairment of Assets:
In the opinion of the Management, there is no
indication of impairment of any of its Fixed Asset
as at 31.03.2015 requiring recognition in terms of
Accounting Standard 28 issued by the Institute of
Chartered Accountants of India.

385
16. mlxUci Aaq M xok q lkM ore qrS Gh M Ar
M m q qlri Sr ar ij iSlxU 31.03.2013 iM sZ
q ApsZi Mr ar | ijm, pUir Ueu oM l Aml
xxcl QoAQ x.: om.12415/21.04.132/2013-14
SlM 03 eluU, 2014 U sp-Wl Zi M mpUi
MUi WL E Ar M umx MUl M sL oM M lSz
Sr | pUir Ueu oM l LMoUa Emr M m q rj
31.03.2013 M LT AD O Ls M sL SxoU 2013 x
xioU 2014 iM M cU iqWr M SUl xqre-
i MUl Wi AuzrM mukl oll M sL Alqi mSl
Mr | uw 2013-14 M SUl `528.63 MUQ M Ms
mukl x `264.32 MUQ sp-Wl Zi x lq Mr
ar | pUir Ueu oM M xxcl x.: QoAQ.x.
om.20791/21.04.132/2013-14 SlM 27 el, 2014 M
AlxU `264.31 MUQ M zw Uz M Uexu AUi lk
x AiUi Mr ar |
17. (M) pUir Ueu oM M mUm xZr QoAQ.om.
ox.80/21.04.018/2010-11 SlM 09.02.2011 M U
eU M aD SzlSz M AlxU oM l uw M SUl sp-
Wl Zi q `1853.57 MUQ M aU mUzki Sri M mi
AlmiM AkU mU `370.72 MUQ lq Mr ar (uiql
MqcUr elWl mWs mzl uMsm lW Sr j, ElM
sL mzl uMsm TU x z MUl M sL 31 qc 2011 M
z Wlus 5 xs M sL mUzki)|
(Z) EmSl xq q xukl M sL uw M SUl sp-Wl Zi
q `679.52 MUQ M aU mUzki Sri M mi AlmiM
AkU mU `135.91 MUQ mpUi Mr ar (31 qc 2011
M z Wlus 5 xs M sL mUzki) |
16. The Funded InterestTerm Loan in respect of restructured
Advances was recognized as Income and dealt
accordingly in the accounts till 31.03.2013. However,
Reserve Bank of India vide their communication
DBOD no:BP.12415/21.04.132/2013-14 dated
January 03 2014 directed the bank to reverse the
income by charging to the Prot & Loss account.
Reserve Bank of India as a one time measure has
permitted the Bank to create the provision required
for FITL as on 31/03/2013 to be spread over four
quarter starting from December 2013 to September
2014. Out of the total provision for `528.63 crore
`264.32 crore has been charged to Prot & Loss
Account during 2013-14. Balance amount of `264.31
crore has been transferred from revenue reserve
during the year 2014-15 as per RBI communication
no: DBOD.No.BP.20791/21.04.132/2013-14 dated:
June 27 2014
17. (a) In accordance with the guidelines issued by the
Reserve Bank of India vide their circular no: DBOD.
BP.BC.80/21.04.018/2010-11 dated 09.02.2011,
the bank has debited Prot & Loss Account
during the year a sum of ` 370.72 crore being
the remaining proportionate amount of the total
liability of ` 1853.57 crore (to be amortised over
a period of 5 years beginning from 31st March
2011 on account of reopening of Pension options
during 2010-11 for existing employees who had
not opted for pension earlier).
(b) The Bank has debited Prot & Loss account a sum
of `135.91 crore being the remaining
proportionate amount of the total liability of
`679.52 crore, to be amortised over a period
of ve years beginning from 31st March 2011 on
account of enhancement of gratuity limit.

18. mai Mwh aqh oM M sL, MqcU sp M oqMM
qsrMl M AlxU, uw 2014-15 M SUl `17.54 MUQ
M mukl olr el j, sMl uw M SUl `10 MUQ
M W uxiuM mukl olr ar |
18. For Pragati Krishna Gramin Bank, according to
the actuarial valuation of Employee Benets,
provision to be made for the year 2014-15 is `17.54
crore, whereas actual provision made during the
year is `10 crore.

19. mai Mwh aqh oM M sL, mr xqfi M sL
uw 2014-15 M SUl `25 MUQ M W mukl olr ar,
sMl uxiuM Sri Uz `53.15 MUQ W |
19. For Pragati Krishna Gramin Bank, Provision made
during the year 2014-15 for Bipartite Settlement
is `25 crore, whereas the actual liability amounts
to `53.15 crore.

20. mM QoLx. xA. LxLxLq. (MlU oM) / 13747/
13.39.001/2014-15 SlM 05.05.2015 M AlxU
ij QoLx. xA. LxLxLq. (MlU oM) / 14323/
13.39.001/2014-15 SlM 15.05.2015 M AlxU pUir
Ueu oM l Alqi Mr W M oM M LM Aaq e qlM
Axi M m q hai Mr ar W, ExM sL `127.26
20. In terms of the letter no DBS.CO.SSM.(Canara Bank)
/ 13747/13.39.001 / 201415 dated 05.05.2015 and
DBS.CO.SSM (Canara Bank)/14323/13.39.001/2014-
15 dated 15.05.2015, Reserve Bank of India (RBI)
has permitted that one of the advances though
categorized as Standard Assets by the bank, yet a
provision to the extent of ` 127.26 crore be made

386
 MUQ M pMsM mukl olr e xMi W iM E
Uz M LM iWD (`42.42 MUQ) SlM 31 qc, 2015
M xqmi uw M sL mSl Mr e xM ij zw `84.84
MUQ 30 el, 2015 M u 30 xioU, 2015 M xqmi
Wlus iqWr q Mxi q mSl Mr e xM | `716.23
MUQ M mukl x 30 el 2015 x z Wlus il
iqWr M SUl MNM AleM Aaq M xqrel ML
el M sL p pUir Ueu oM l E m M qkrq x
Alqi mSl Mr W |
and staggered, so that one third of the said amount
(` 42.42 crore) is provided in the year ended 31st
March 2015 and balance amount of `84.84 crore is
provided in two installments in quarter ending 30th
June 2015 and 30th September 2015. RBI has also
permitted vide the aforesaid letter to spread the
provision amounting to ` 716.23 crore.in respect of
certain non performing advances in three quarters
commencing 30th June 2015.

21. eW MW AuzrM xqf ar W, mNs uw M AMQ M 21. Figures of the previous year have been regrouped /
mlxqWi / mluruxji / mluaMi Mr ar W | rearranged / reclassied wherever necessary.

Lq xuqljl u xMqU Ll xuzMUl Ll xsuUel WUSz MqU o

qQs mokM qQs mokM Em qW mokM qW mokM MrmsM lSzM
mql xW Uui Eq zMU e u qhqUl xls WYqcS McO qcUs xDUq pxMU
MrmsM lSzM (mok lSzM u qZr lSzM lSzM lSzM lSzM
MrMU AkMU - AiU mpU)
UelSU MqU ars xer el
lSzM lSzM

xqxZrM ij M WqU UmO M AlxU

Mi Mi Mi Mi Mi Mi
m cmQ LhQ M. L AU Sx LhQ LxxLOx Lx x uxSu LhQ M. ulr MqU LhQ M Uq Ue LhQ M u M lUel LhQ M
xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU xlS sZMU
Mml UexOzl l Mml UexOzl l Mml UexOzl l Mml UexOzl l Mml UexOzl l Mml UexOzl l
004957N 306109E 000235N 000719C 002839s 002468s

UMz el mrs ox Azz Aaus ulr MqU Aaus M zu xoqhr mxS lUel u M
xfSU xfSU xfSU xfSU xfSU xfSU
xSxr xZr: 087925 xSxr xZr: 054704 xSxr xZr: 093790 xSxr xZr: 013795 xSxr xZr: 024456 xSxr xZr: 021432

oas
25 qD, 2015

M SWAMINATHAN V SUKUMAR N SIVASANKARAN N SELVARAJAN HARIDEESH KUMAR B

DIVISIONAL MANAGER DIVISIONAL MANAGER DEPUTY GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR

P S RAWAT UMA SHANKAR G V MANIMARAN SUNIL HUKUMCHAND MOCHERLA SAIRAM BHASKAR

EXECUTIVE DIRECTOR DIRECTOR DIRECTOR KOCHETA DIRECTOR
(ADDITIONAL CHARGE OF MD & CEO) DIRECTOR

RAJINDER KUMAR GOEL SANJAY JAIN

DIRECTOR DIRECTOR

AS PER OUR REPORT OF EVEN DATE

For For For For For For
P CHOPRA & Co. A R DAS & ASSOCIATES S C VASUDEVA & Co. VINAY KUMAR & Co. RAM RAJ & Co. For V K NIRANJAN & Co.
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
Firm Registration No. 004957N Firm Registration No. 306109E Firm Registration No.000235N Firm Registration No.000719C Firm Registration No.002839s Firm Registration No.002468s

RAKESH JAIN Piyali Basu ASHISH AGARWAL VINAY KUMAR AGRAWAL K SIVA SUBRAMANYA PRASAD NIRANJAN V K
Partner Partner Partner Partner Partner Partner
Membership No.087925 Membership No.054704 Membership No.093790 Membership No.013795 Membership No.024456 Membership No. 021432

Bengaluru
MAY 25,2015

387
 rr 31 qc 2015 M xqmi uw M sL xqMi lMS muW uuUh
CONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2015
(` MUQ q/` in Crore)
31.03.2015 31.03.2014
mUcsl aiukr x lMS muW / Cash Flow from Operating activities
MU M oS lus sp / Net prot after Tax 2,864.66 2,630.17
M sL xqrel / Adjustments for:
MU M sL mukl / Provision for Tax 825.26 652.49
luz mU qsrx M sL mukl / Provision for Depreciation on Investments (728.16) 692.42
AleM Aaq M sL mukl / Provision for Non Performing Advances 3,780.92 2,152.72
qlM Axir M sL mukl / Provision for Standard Assets 155.32 478.64
AMxqMiL u Alr M sL mukl / Provisions for Contingencies and Others 256.30 428.10
Acs Axir mU qsrx / Depreciation on Fixed Assets 428.91 229.89
luz M mlqsrMl mU Wl / Loss on revaluation of Investments 103.49 160.75
OrU I u OrU II oQ mU ore / Interest on Tier I and Tier II bonds 937.15 820.34
luz M o mU sp / Wl / (Prot)/ loss on sale of Investments (1,167.08) (672.11)
Acs Axir M o mU sp / Wl / (Prot )/ loss on sale of Fixed Assets (15.26) (2.33)
Em Ms / Sub total 7,441.51 7,571.08

M sL xqrel / Adjustments for:

eqA q u / (Mq) / Increase/ (Decrease) in Deposits 53,121.31 64,919.04
EkU q u / (Mq) / Increase/ (Decrease) in Borrowings (745.77) 9,379.19
luz q (u) / Mq / (Increase) / Decrease in Investments (18,718.48) (7,370.78)
Aaq q (u) / Mq / (Increase) / Decrease in Advances (28,967.85) (58,890.26)
Alr Axir q (u) / Mq / (Increase) / Decrease in Other assets (2,843.53) 136.13
Alr SriA u mukl q u / (Mq) / Increase / (Decrease) in Other liabilities and provisions (1,397.07) (352.45)
AsmxZrM Wi q u / (Mq)/ Increase / (Decrease) in Minority Interest 65.10 81.40
MUkl M mu mUcsliqM aiukr x lMS muW /
Cash Flow from Operating Activity before taxation 7,955.22 15,473.34
bOr: mS Aaq MU / Less: AdvanceTax paid 1,611.47 1,229.02
mUcsl aiukr x xei lMS (M) / Cash generated from Operating Activities (A) 6,343.75 14,244.33

luz aiukr x lMS muW / Cash Flow from Investing activities

Alwar / xWra xxjA / xr Eq q luz q (u) / Mq
(Increase) / Decrease in Investments in Subsidiaries / Associates / JVs (179.04) (29.68)
Acs Axir q (u) / Mq / (Increase)/ Decrease in Fixed Assets (814.06) (540.53)
Alr AUi lkr q (u) / Mq / Increase/ (Decrease) in Other Reserve (44.43) 74.22
luzM aiukr x xei lMS (Z) / Cash generated from Investing activities (B) (1,037.53) (495.99)

ur aiukr x lMS muW / Cash Flow from Financing activities

zrU me / Share Capital 13.94 18.26
zrU mqrq / Share Premium 556.06 481.74
Aklxj oQ q u / (Mq) / Increase/(Decrease) in Subordinated Bonds (801.14) (2,424.55)
OrU I u OrU II oQ mU ore M pail / Payment of interest on Tier I and Tier II bonds (937.15) (820.34)
iimi mS MU xWi mS spz / Dividends Paid including Tax Paid thereon (295.61) (1,026.59)
ur aiukr x xei lMS (a) / Cash generated from Financing activities (C) (1,463.90) (3,771.48)
ulqr EiU cRu M MUh lMS muW / Cash Flow on account of Exchange Fluctuation
uSz qS EiU cR u M AUi lk / Reserves of Foreign Currency Fluctuation (66.34) 115.51

388
ulqr EiU cRu x xei lMS / Net Cash Flows on Account Of Exchange Fluctuation (D) (66.34) 115.51
lMS AU lMS xqisr (M+Z+a+b) q lus u / (Mq) /
Net Increase/ (Decrease) in cash and cash equivalents (A+B+C+D) 3,775.98 10,092.37
Aj lMS u lMS xqisr / Opening Cash and Cash equivalents 44,871.58 34,779.21
Ci lMS u lMS xqisr / Closing Cash and Cash Equivalents 48,647.56 44,871.58
lO / Notes:
1. lMS muW uuUh Amir mhs M iWi irU Mr ar W ij AuvrMilxU AMQ M mlxqWi Mr ar W| / The Cash Flow
Statement has been prepared under the Indirect Method and gures has been re-grouped wherever necessary.
2. lMS u lMS xqisr q qeS lMS, pUir Ueu oM u Alr oM q zw AU qa AU Asm xcl mU miSr Uz / Cash and
Cash equivalents includes Cash on hand, Balance with RBI & Other Banks and Money at Call and Short Notice

lMS u lMS xqisr M bOM / Components of Cash & Cash Equivalents 31.03.2015 31.03.2014
pUir Ueu oM M xj lMS u zw / Cash & Balance with RBI 21,976.76 22,161.03
oM q zw AU qa u Asm xcl mU miSr Uz 26,670.80 22,710.55
Balances with Banks and Money at Call and Short Notice
Ms / Total 48,647.56 44,871.58
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25 qD, 2015

M SWAMINATHAN V SUKUMAR N SIVASANKARAN N SELVARAJAN HARIDEESH KUMAR B

DIVISIONAL MANAGER DIVISIONAL MANAGER DEPUTY GENERAL MANAGER GENERAL MANAGER EXECUTIVE DIRECTOR

P S RAWAT UMA SHANKAR G V MANIMARAN SUNIL HUKUMCHAND MOCHERLA SAIRAM BHASKAR

EXECUTIVE DIRECTOR DIRECTOR DIRECTOR KOCHETA DIRECTOR
(ADDITIONAL CHARGE OF MD & CEO) DIRECTOR

RAJINDER KUMAR GOEL SANJAY JAIN

DIRECTOR DIRECTOR

AS PER OUR REPORT OF EVEN DATE

For For For For For For

P CHOPRA & Co. A R DAS & ASSOCIATES S C VASUDEVA & Co. VINAY KUMAR & Co. RAM RAJ & Co. For V K NIRANJAN & Co.
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants

RAKESH JAIN PIYALI BASU ASHISH AGARWAL VINAY KUMAR AGRAWAL K SIVA SUBRAMANYA PRASAD NIRANJAN V K
Partner Partner Partner Partner Partner Partner

Bengaluru
MAY 25,2015

389
mr zrUkUM
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(AiU mpU - mok lSzM u qZr MrMU AkMU)
Dear Shareholder,
It gives us immense pleasure to reach you as our esteemed
Shareholder of our Bank. It is with the support and help of
people like you, (y)our bank has been growing steadily day by
day with strong basics.
You are kindly aware that holding of shares only in DEMAT
form is a must for trading or pledging the same. Further, it is
necessary to have a DEMAT Account with any of the Depository
Participant (DP) for trading the shares in the DEMAT form. We,
as one of the Depository Participants, are glad to extend the
Depository Services also.
There are many advantages of holding shares in DEMAT mode
Account. Some of the advantages are:
- Shares are held in DEMAT form (ie., electronically)
- No need to safe keep of share certicates
- Elimination of risks associated with physical certicates
such as bad delivery, possibility of interception in transit /
loss / mutilation, etc.,
- Immediate transfer of securities ie., instant transfers /
deliveries of shares / securities
- No stamp duty on transfer of securities
- No paper work on share transfer
- Reduced transaction cost
- Nomination facility is available
- No need to remember the records dates of various
companies
- Dividend will be automatically credited to your Bank
account through ECS process
Further, the following are some of the advantages of Online
Trading :
- Free Online Trading Account
- Buy and Sell shares at your will through Internet / Toll free
telephone
- Online subscription to Initial Public Offer (IPO)
- Online subscription to Mutual Funds (MF)
- Low brokerage
It is observed from our records that you are still holding the
banks shares in physical form. Hence, we once again take
this opportunity to extend to you our services for opening the
Demat Account / Online Trading Account.
A list of Designated Branches for Depository Services is attached
for your information. You may approach any of these branches
for the purpose of opening of your valuable Demat Account /
Online Trading Account.
Equally important aspect is that receiving the returns on your
investment. For ensuring the timely credit of the dividends
declared, it is a novel idea to have the Electronic Clearing Service
(ECS) which indeed helps you to get the dividend amount
credited to your bank account directly without any hassles. In
case you have not opted for the said service, you may avail the
services of ECS Mandate, which is extended simultaneously by
the Depository Participant while opening the Demat Account.
Thanking you and assuring you of our best services always
Yours sincerely,
Pradyuman Singh Rawat
Executive Director
( Additional Charge - MD &CEO )
390

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3 oasU MlSr Q m
4 oasU- uerlaU
lmaU xu MS M xc
mi
71, lW laU, Lq e UQ, AaU- 282002
lUrh cox, lW ms M mx, Aq UQ,
AWqSoS - 380009
oasU xOM LYxce osQa, x.51, I x, e x UQ,
oasU - 560027
48, qaQ MQ UQ, uerlaU, oasU - 560040
SUpw xZr
0562-2527427/2527428
079-26577487/26575497
080-22116400/22105148 /
22116082
080-23204991/23351891

5 pms- AUU Msl D-5/8-9, AUU Msl, Wooae msx jl M xql, 0755-2464003
pms - 462016
6 MsMO - uxO Ws uxO Ws UQ, xSzl osQa, MsMO - 673005 0495-2367750
7 cQaR 17-x xYOU 17 x, cQaR - 160017 0172-2702065/2702116
8 cD - Q m x. 150, Wooss UQ, cD - 600017 044- 28345454
9 cD - ilqmO 563/1, pis, uMOUqh xOU, Ahh zs, ilqmO, 0 44-24313662/24312001
cD - 600018
10 cD AhhlaU mu L-12/13, II Lulr, Ahh laU mu, cD - 600102 044-26261627
11 MroU - AU Lx mUq 100, Sul oWSU UQ, AU Lx mUq, MroU - 641002 0422-2552237/2558411
12 mM UQ - DUQ x.Q. osQa, 47L, mM UQ, DUQ - 638003 0424-2210445
13 Sss Q m Ll-1, o Lq x WEx, iir is, MlO xMx, 011- 23752036/23357281
lD Sss- 110001
14 Sss - We Zx L-27, We Zx, lD Sss - 110016 011-26964090/26568680
15 Sss - AU M mUq 12, AUkl LlYsu, xYOU 13, AU. M. mUq, 011-24122203/24122204
lD Sss - 110066
16 LUhMsq - oQ u mjq is, zlD cox, zlqZq UQ, M- 682031 0484-2351255/2355641
17 oa oeU - msQ Aee osQa, o A x UQ, oa oeU, 0491-2502152
msQ - 678014
18 aQau Lx e 27-28, asUr, Q Ls LT Tx - IV, 0124-2572932/257933
aQau - 122002
19 auWO - SxmU mjq is, Lc/274, uQ 34, SxmU, auWO - 781005 0361-2265504/2262147
20 au - qQau Mqi WEx, srx qUQ UQ, qQau - 403601 0832-2715607/2737977
21 Wos - OTM ACsQ mjq is, Su MqmsYx, Yso UQ, OTM ACsQ, 0836-2351198
Wos - 580029
22 WSUoS - lUrhaQ 3-5-168-1234, zi OMe M xql, lUrhaQ, 040- 23438649/23438650
WSUoS - 500029
23 ermU - AUuSqa AlMm qlzl, Lq AD UQ, AeqU aO M mx, 0141- 2362374, 2368154
ermU - 302001

391
 LIST OF DP SERVICE CENTRES
Sl.
Name of DP Service Center Address Tel No.
No.
1 Agra - M G Road 71, Nehru Nagar, M. G. Road, Agra - 282002 0562-2527427/2527428
2 Ashram Road, Ahmedabad Narayana Chambers, Near Nehru Bridge, 079-26577487/26575497
Ashram Road, Ahmedabad - 380009
3 Bangalore - Central DP Bangalore Stock Exchange Building, No. 51, 080-22116400/22105148 /
I Cross, J. C. Road, Bangalore - 560027 22116082
4 Bangalore - Vijayanagar 48, Magadi Chord Road, Vijayanagar, 080-23204991/23351891
Bangalore - 560040
5 Bhopal - Arera Colony E-5/8-9, Area Colony, Opp. Habibganj Police Station, 0755-2464003
Bhopal - 462016
6 Calicut - West Hill West Hill Road, SUDARSAN BLDG, Kozhikode - 673005 0495-2367750
7 Chandigarh 17 - C Sector 17 C, Chandigarh - 160017 0172-2702065/2702116
8 Chennai - DP No. 150, Habibullah Road, Chennai - 600017 044- 28345454
9 Chennai - Teynampet 563/1, Ground Floor, Venkatramana Center, 0 44-24313662/24312001
Anna Salai, Teynampet, Chennai - 600018
10 Chennai Annanagar East A-12/13, II Avenue, Anna Nagar East, 044-26261627
Chennai - 600102
11 Coimbatore - R S Puram 100, Dewan Bahaddur Road, R. S. Puram, 0422-2552237/2558411
Coimbatore - 641002
12 Park Road - Erode C. D. Building, 47A, Park Road, Erode - 638003 0424-2210445
13 Delhi DP N-1, BMC House, 3rd Floor, Connaught Circus, 011- 23752036/23357281
New Delhi - 110001
14 Delhi - Hauz Khas A-27, Hauz Khas, New Delhi - 110016 011-26964090/26568680
15 Delhi - R K Puram 12, Aradhana Enclave, Sector 13, R. K. Puram, 011-24122203/24122204
New Delhi - 110066
16 Ernakulam - Broadway 1st Floor, Shenoy Chambers, Shanmugam Road, 0484-2351255/2355641
Kochi - 682031
17 Big Bazaar, - Palakkad Azeez Building, BOC Road, Big Bazaar, 0491-2502152
Pallakkad - 678014
18 Gurgaon SG 27-28, Galleria, DLF Phase - IV, Gurgaon - 122002 0124-2572932/257933
19 Guwahati - Dispur 1st Floor, H/274, Ward 34, Dispur, Guwahati - 781005 0361-2265504/2262147
20 Goa - Margoa Kamatha House, Luis Miranda Road, 0832-2715607/2737977
Margaon - 403601
21 Hubli - Trafc Island 1st Floor, Devi Complex, Club Road,Trafc Island, 0836-2351198
Hubli - 580029
22 Hyderabad - 3-5-168-1234, Opp. Shanthi Talkies, Narayanaguda, 040- 23438649/23438650
Narayanaguda Hyderabad - 500029
23 Jaipur - Arvindmarg Anukampa Mansion, M. I. Road, Near Ajmeri Gate, 0141- 2362374, 2368154
Jaipur - 302001

392
 lmaU xu MS M xc
q
lmaU xu MlS M lq mi SUpw xZr
xZr
24 eskU - o Lq x cM o Lq x cM, sskU - 144001 0181-2223154/2225920
25 MsMi Q m x. 9, ss semiUr xUh, MsMi - 700020 033- 23322586
26 qSU - aQ xOs 118/o, uxO mqs qx xOO, qSU - 625001 0452-2343191
27 qasU- WqmlM aMs qMO, mUl ox xOQ M mx, WqmlM, 0824-2441216
qasU - 575001
28 EQmm - qi ujM qi ujM, EQmm - 576101 0820-2521429/2520833
29 lLQ qZr x-3, xYOU 1, lLQ - 201301 0120-2529164
30 qoD Q m xOM AU MqQO LYxce zZ, loU 115, 022-22023168
AOsO pul, 11 u qes, lUql muCO, qoD - 400021
31 qoD - bOMmU (m) AU.Q. zW osQa, Usu xOzl M xql, bOMmU mq, 022-25158852
qoD - 400086
32 qoD - Lx Lx o xqO cs x. 1, ermMz UQ, AlkU mq, 022-26289946/26239585
qoD - 400058
33 qoD - us ms 38, oepul, lW UQ, qoD - 400057 022-26175655/26143615
34 Wxl qZr Ll.AU. xMs, Lc.Ll. mU UQ, Wxl - 573201 8172-268191/268238
35 qxU - leUoS x. 26/L, axO WEx UQ, leUoS, qxU - 570010 0821-2528242
36 lamU - COuU rql xSl, ia xOQ, xUT oeU, COuU, 0712-2764744/2773991
lamU - 440002
37 mOl - oqa o qa, mOl-ar UQ, mOl - 800001 0612-2222813
38 mh - Mm mxO oYx x. 21, e m A Mm, 11, Lq e UQ, UQ x 020-26131833/26053222
osQa, mh - 411001
39 Uc - QUQ QUQ, Uc - 834002 0651-2480415/2481221
40 xsq AsamUq mjq is, zUS usr asx WrU xMQU xMs MqmEQ, 0427-2448605/2446916
TrUsQx, xsq - 636016
41 lss xk - zqa lss xk, Muqm UQ, zqa - 577210 08182-223673
42 Mrq - M M UQ qZr M.M. UQ, Mrq - 686001 0481-2563645/2301011
43 iulimUq - MO Lq e UQ, xmxU eYzl, iulimUq- 695001 0471-2331536/2331605
44 i - iss laU AlS Oux, 11, zx UQ, iss laU, i - 620018 0431-2741990

45 uzZmhq - So aQl 30-15-160, uQ x. 17, ml xMs M mx, So aQlx 0891-2547927/2547928

ql UQ, xroa, uzZmhq - 530020
46 x o Lx Ls, qoD xiu is, qMU cox III, lUql muClO, 022-22802400 / 43603800
(TcCe Mrsr) qoD - 400 021 Os T x.: 1800220369 /
18001031369

393
 LIST OF DP SERVICE CENTRES
Sl.
Name of DP Service Center Address Tel No.
No.
24 Jallandhar - BMC Chowk B. M. C. Chowk, Jalandhar - 144001 0181-2223154/2225920
25 Kolkata DP No. 9, Lala Lajpatrai Sarani, Kolkata - 700020 033- 23322586
26 Madurai - Grand Central 118/B, West Perumal Maistry Street, Madurai - 625001 0452-2343191
27 Mangalore - Hkatta Gokul Market, Near Old Bus Stand, Hampankatta, 0824-2441216
Mangalore 575001-
28 Udupi - Maruthi Veethika Maruthi Veethika, Udupi - 576101 0820-2521429/2520833
29 Noida Main C-3, Sector 1, Noida - 201301 0120-2529164
30 Mumbai DP Stock & Commodity Exchange Branch, No. 115 022-22023168
Atlanta Building, 11th Floor, Nariman Point,
Mumbai - 400021
31 Mumbai - Ghatkopar (w) R. D. Shah Building, Opp. Railway Station, 022-25158852
Ghatkopar West, Mumbai - 400086
32 Mumbai - SSB Cement Chawl No. 1, Jayaprakash Road, 022-26289946/26239585
Andheri West, Mumbai - 400058
33 Mumbai - Vile Parle 38, Brijbhuvan, Nehru Road, Mumbai - 400057 022-26175655/26143615
34 Hassan Main N. R. Circle, H. N. Pura Road, Hassan - 573201 8172-268191/268238
35 Mysore - Nazarabad No. 26/A, Guest House Road, Nazarabad, 0821-2528242
Mysore - 570010
36 Nagpur - Itwari Yamuna Sadan, Tangastand, Sarafa Bazar, 0712-2764744/2773991
Itwari, Nagpur - 440002
37 Patna - Budhmarg Budh Marg, Patna-Gaya Road, Patna - 800001 0612-2222813
38 Pune - Camp P. B. No. 21, GPO Camp, 11, M. G. Road, 020-26131833/26053222
Red Cross Bulding, Pune - 411001
39 Ranchi - Daronda Doranda, Ranchi 834002 0651-2480415/2481221
40 Salem Alagapuram 1st Floor, Sarada Vidyalaya Girls Hr. Sec. School 0427-2448605/2446916
Compound, Fairlands, Salem - 636016
41 Nelli Soudha Shimoga Nelli Soudha, Kuvempu Road, Shimoga, 08182-223673
Shimoga - 577210
42 Kottayam - KK Road Main K. K. Road, Kottayam - 686001 0481-2563645/2301011
43 Trivandrum - Cant M. G. Road, Spencer Junction, 0471-2331536/2331605
Thiruvananthapuram - 695001
44 Trichy - Thillai Nagar Anand Towers, 11, Sastry Road, Thillai Nagar, 0431-2741990
Trichy - 620018
45 Visakapatnam - 30-15-160, Ward No.17, Beside Pen School, 0891-2547927/2547928
Daba Gardens Dabagardens Main Road, Suryabagh,
Visakhapatnam - 530020
46 CBSL, Mumbai Seventh Floor, Maker Chambers III, Nariman Point, 022-22802400 / 43603800
(Franchisee ofce) Mumbai - 400 021 Toll free Nos: 1800220369 /
18001031369

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395
 (A Government of India undertaking)
Head Ofce: 112 J C Road, Bengaluru- 560 002
ATTENDANCE SLIP
13th ANNUAL GENERAL MEETING - 14.07.2015
(to be surrendered at the time of entry)

Date: Place: Bengaluru Time :

Name of the Shareholder

Number of shares
Regd. Folio DPID No.
(if not dematerialised) Client ID No.
(if dematerialised)
Name of the Proxy/ Authorised Representative present
Signature of Shareholder / Proxy / Authorised representative

------------------------------------------------------------------- CkU x MO -------------------------------------------------------------------


(A Government of India undertaking)
Head Ofce: 112 J C Road, Bengaluru- 560 002

ENTRY PASS
13th ANNUAL GENERAL MEETING - 14.07.2015
(to be retained throughout the meeting)

Name of the Shareholder

Number of shares
Regd. Folio DPID No.
(if not dematerialised) Client ID No.
(if dematerialised)
Name of the Proxy/ Authorised Representative present
Signature of Shareholder / Proxy / Authorised representative
Shareholders/Proxy or representative of Shareholders are requested to produce the above attendance slip, duly signed in accordance with their
specimen signatures registered with the Bank, along with the entry pass, for admission to the venue. Shareholders / Proxy holders / Authorised
Representatives may note that the admission to the meeting will be subject to verication / checks, as may be deemed necessary and they are advised
to carry valid proof of identity viz., Voters ID Card / Employer Identity Card / Pan Card / Passport / Driving license etc. UNDER NO CIRCUMSTANCES, ANY
DUPLICATE ATTENDANCE SLIP WILL BE ISSUED AT THE VENUE.

396
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397
 (A Government of India Undertaking)
HO : # 112, J C ROAD BENGALURU - 560 002

13th Annual General Meeting 14.07.2015

FORM B
FORM OF PROXY
[To be lled and signed by the Shareholder]
I/We...Resident of ....in
the district of.. in the State of being a shareholder /shareholders of the Canara Bank, hereby appoint
Shri/Smt .. resident of...in the district of in the State of
or failing him/her, Shri/Smt .. resident of in the district of
in the State of . as my / our proxy to vote for me/us and on my / our behalf at the
Annual General Meeting of the Shareholders of Canara Bank to be held on Tuesday, the 14th.July, 2015 at 3.30 P.M. at
Auditorium 1, NIMHANS CONVENTION CENTRE, Hosur Main Road, Hombegowda Nagar, Bengaluru 560 029, and at
any adjournment thereof.

Signed this ..................................... day of ... 2015

Regd. Folio No./Client ID: ................................................................. Please afx
No. of Shares ......................................................................................... Rs. 1.00
Revenue Stamp

.....................................................................................................................
Signature of Proxy
Name & Address:................................................
..................................................................................................................... ......................................................................................................
..................................................................................................................... Signature of the rst named / sole shareholder

INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM

1. No instrument of proxy shall be valid unless,
a) in the case of an individual shareholder, it is signed by him/her or his/her attorney, duly authorised in writing,
b) in the case of joint holders, it is signed by the shareholder rst named in the register or his / her attorney, duly authorised in
writing,
c) In the case of a body corporate signed by its ofcer or an attorney duly authorised in writing.
2. An instrument of proxy shall be sufciently signed by any shareholder, who is, for any reason, unable to write his / her name, if his
/ her mark is afxed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of Assurances or other Government
Gazetted Ofcer or an Ofcer of Canara Bank.
3. The proxy together with
a) the power of attorney or other authority (if any) under which it is signed, or
b) a copy of the power of attorney or authority, certied by a Notary Public or a Magistrate, should be deposited with Canara Bank,
Secretarial Department, 4th Floor, Head Ofce 112, J C Road Bengaluru 560 002 not less than FOUR DAYS before the date of
the Annual General Meeting i.e. on or before the closing hours of Thursday, the 09th July, 2015.
4. In case the relevant Power of Attorney is already registered with Canara Bank or Share Transfer Agent, the registration Number of
Power of Attorney and the date of such registration may be mentioned.
5. No instrument of Proxy shall be valid unless it is in Form B and duly stamped.
6. An instrument of proxy deposited with the Bank shall be irrevocable and nal.
7. In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.
8. The shareholder who has executed an instrument of proxy shall not be entitled to vote in person at the Annual General Meeting to
which such instrument relates.
9. No person shall be appointed as duly authorised representative or a proxy who is an ofcer or an employee of Canara Bank.

398